<SEC-DOCUMENT>0001144204-13-013813.txt : 20130308
<SEC-HEADER>0001144204-13-013813.hdr.sgml : 20130308
<ACCEPTANCE-DATETIME>20130308094308
ACCESSION NUMBER:		0001144204-13-013813
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20121231
FILED AS OF DATE:		20130308
DATE AS OF CHANGE:		20130308

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERISERV FINANCIAL INC /PA/
		CENTRAL INDEX KEY:			0000707605
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251424278
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11204
		FILM NUMBER:		13675552

	BUSINESS ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
		BUSINESS PHONE:		8145335300

	MAIL ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>v330158_10k.htm
<DESCRIPTION>FORM 10-K
<TEXT>
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<DIV  STYLE="width: 100%; display: inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV><H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">UNITED STATES<BR> SECURITIES AND EXCHANGE COMMISSION<BR> WASHINGTON, D.C. 20549</H1>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORM 10-K</H1>


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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="padding-left: 30pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=3>(MARK ONE)</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">&#254;</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE FISCAL YEAR ENDED DECEMBER 31, 2012</B> </P>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE TRANSITION PERIOD FROM &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TO &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </B></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMMISSION FILE NUMBER 0-11204</B></P>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 18pt; line-height: 20pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC. </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Exact name of registrant as specified in its charter)</P>


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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>25-1424278</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(State or other jurisdiction of<BR> incorporation or organization)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(I.R.S. Employer<BR> Identification No.)</TD>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>MAIN &amp; FRANKLIN STREETS,<BR> P.O. BOX 430, JOHNSTOWN,<BR> PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>15907-0430</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(Address of principal executive offices)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(Zip Code)</TD>

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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Registrant&#146;s telephone number, including area code (814) 533-5300</B></P>


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<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(b) of the Act:</B> </P>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="text-align: center; font-weight: bold" ROWSPAN=1 COLSPAN=1><U>Title Of Each Class</U></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><U><B>Name Of Each Exchange On Which Registered</B></U></TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-size: 10pt">Common Stock, Par Value $0.01 Per Share</FONT></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><FONT STYLE="font-size: 10pt">NASDAQ</FONT></TD>

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</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(g) of the Act:</B> None </P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">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 STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (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). <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant&#146;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. <FONT STYLE="font-family: wingdings">&#254;</font> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, non-accelerated filer or a smaller reporting company. See definition of &#147;accelerated filer, large accelerated filer and smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. (Check one): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Large accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Smaller reporting company <FONT STYLE="font-family: wingdings">&#254;</font></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked prices of such common equity, as of the business day of the registrant&#146;s most recently completed second fiscal quarter. The aggregate market value was $54,382,349 as of June 30, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate the number of shares outstanding of each of the registrant&#146;s classes of common stock, as of the latest practicable date. There were 19,168,188 shares outstanding as of January 31, 2013. </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DOCUMENTS INCORPORATED BY REFERENCE. </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Portions of the proxy statement for the annual shareholders&#146; meeting are incorporated by reference in Parts II and III. </P>

<DIV STYLE="width: 100%; display: inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV></DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#TOC"></a>FORM 10-K INDEX </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="536"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Page No.</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART I<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tBS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Business</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tBS">1</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRF"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Risk Factors</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRF">11</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tUSE"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 1B.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Unresolved Staff Comments</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tUSE">11</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 2.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Properties</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPS">11</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tLP"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 3.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Legal Proceedings</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tLP">11</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMSD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 4.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Mine Safety Disclosures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMSD">11</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART II<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMRCE"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 5.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Market for the Registrant&#146;s Common Equity, Related Stockholder Matters and &nbsp;&nbsp;&nbsp;&nbsp;Issuer Purchases of Equity Securities</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMRCE">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSCFD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 6.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Selected Consolidated Financial Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSCFD">13</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMDAC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 7.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Management&#146;s Discussion and Analysis of Consolidated Financial Condition and &nbsp;&nbsp;&nbsp;&nbsp;Results of Operations</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMDAC">14</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tQQDM"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 7A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Quantitative and Qualitative Disclosures about Market Risk</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tQQDM">34</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tFSSD"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 8.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Financial Statements and Supplementary Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tFSSD">35</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCDAA"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Changes in and Disagreements With Accountants On Accounting and Financial &nbsp;&nbsp;&nbsp;&nbsp;Disclosure</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCDAA">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCP"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9A.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Controls and Procedures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCP">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tOI"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 9B.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Other Information</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tOI">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART III<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tDEOC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 10.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Directors, Executive Officers, and Corporate Governance</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tDEOC">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEC"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 11.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Executive Compensation</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEC">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSOCB"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 12.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Security Ownership of Certain Beneficial Owners and Management and Related &nbsp;&nbsp;&nbsp;&nbsp;Stockholder Matters</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSOCB">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCRRT"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 13.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Certain Relationships and Related Transactions, and Director Independence</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCRRT">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPAFS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 14.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Principal Accountant Fees and Services</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPAFS">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART IV<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEFSS"><P STYLE="padding-left: 60pt; text-indent: -60pt; margin-bottom: -12pt">Item 15.</P><P STYLE="margin-top: 0pt; padding-left: 60pt">Exhibits, Financial Statement Schedules</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEFSS">93</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSIG">Signatures</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSIG">95</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">
i
<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART I </H1>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tBS"></a>ITEM 1. BUSINESS </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">GENERAL </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. (the Company) is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company upon acquiring all of the outstanding shares of AmeriServ Financial Bank (the Bank) in January 1983. The Company&#146;s other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company (the Trust Company), formed in October 1992, and AmeriServ Life Insurance Company (AmeriServ Life), formed in October 1987. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s principal activities consist of owning and operating its three wholly owned subsidiary entities. At December 31, 2012, the Company had, on a consolidated basis, total assets, deposits, and shareholders&#146; equity of $1.0 billion, $836 million, and $110 million, respectively. The Company and its subsidiaries derive substantially all of their income from banking and bank-related services. The Company functions primarily as a coordinating and servicing unit for its subsidiary entities in general management, accounting and taxes, loan review, auditing, investment accounting, marketing and risk management. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a bank holding company, the Company is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. The Company is also under the jurisdiction of the Securities and Exchange Commission (SEC) for matters relating to registered offerings and sales of its securities under the Securities Act of 1933, as amended, and the disclosure and regulatory requirements of the Securities Exchange Act of 1934, as amended. The Company&#146;s common stock is listed on the NASDAQ Stock Market under the trading symbol &#147;ASRV,&#148; and the Company is subject to the
NASDAQ rules applicable to listed companies. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANKING SUBSIDIARY </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a state bank chartered under the Pennsylvania Banking Code of 1965, as amended. Through 18 locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, the Bank conducts a general banking business. It is a full-service bank offering (i) retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, money orders, and traveler&#146;s checks; and (ii) lending, depository and related financial services to commercial, industrial, financial, and
governmental customers, such as commercial real estate-mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services. The Bank also operates 20 automated bank teller machines (ATMs) through its 24-Hour Banking Network that is linked with NYCE, a regional ATM network, and CIRRUS, a national ATM network. West Chester Capital Advisors (WCCA), a registered investment advisor, is also a subsidiary of the Bank. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe that the Bank&#146;s deposit base is such that loss of one depositor or a related group of depositors would not have a materially adverse effect on its business. The Bank&#146;s business is not seasonal, nor does it have any risks attendant to foreign sources. The majority of the Bank&#146;s customer base is located within a 150 mile radius of Johnstown, Pennsylvania. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. Various federal and state laws and regulations govern many aspects of its banking operations. The following is a summary of key data (dollars in thousands) and ratios at December 31, 2012: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="514"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Headquarters</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Johnstown, PA</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>975,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Investment Securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>152,456</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Loans and Loans Held for Sale (net of unearned income)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>835,934</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Net Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,804</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset Leverage Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.55%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.66</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Full-time Equivalent Employees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>278</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RISK MANAGEMENT OVERVIEW: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, which includes credit, interest rate and market, liquidity, operational, legal/compliance, and strategic risk. The Company controls and monitors these risks with policies, procedures, and various levels of managerial and Board oversight. The Company has both a Management Enterprise Risk Committee and in 2012 also formed a Board Enterprise Risk Committee to help manage and monitor the Company&#146;s risk position. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets and liabilities. The Company uses its asset liability management policy to control and manage interest rate risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as the obligations to depositors, debtholders and the funding of operating costs. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the allowance for loan losses to control and manage credit risk. The Company&#146;s investment policy and hedging policy limit the amount of credit risk that may be assumed in the investment portfolio and through
hedging activities. The following summarizes and describes the Company&#146;s various loan categories and the underwriting standards applied to each: </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes credit extensions to commercial and industrial borrowers. Business assets, including accounts receivable, inventory and/or equipment, typically secure these credits. In appropriate instances, extensions of credit in this category are subject to collateral advance formulas. Balance sheet strength and profitability are considered when analyzing these credits, with special attention given to historical, current and prospective sources of cash flow, and the ability of the customer to sustain cash flow at acceptable levels. Our policy permits flexibility in determining acceptable debt service coverage ratios,
with a minimum level of 1.1 to 1 desired. Personal guarantees are frequently required; however, as the financial strength of the borrower increases, the Bank&#146;s ability to obtain personal guarantees decreases. In addition to economic risk, this category is impacted by the strength of the borrower&#146;s management, industry risk and portfolio concentration risk which are also monitored and considered during the underwriting process. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans Secured by Real Estate </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes various types of loans, including acquisition and construction of investment property, owner-occupied property and operating property. Maximum term, minimum cash flow coverage, leasing requirements, maximum amortization and maximum loan to value ratios are controlled by the Bank&#146;s credit policy and follow industry guidelines and norms, and regulatory limitations. Personal guarantees are normally required during the construction phase on construction credits, and are frequently obtained on mid to smaller commercial real estate loans. In addition to economic risk, this category is subject to
geographic and portfolio concentration risk, which are monitored and considered in underwriting. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Residential Real Estate&nbsp;&#151;&nbsp;Mortgages </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes mortgages that are secured by residential property. Underwriting of loans within this category is pursuant to Freddie Mac/Fannie Mae underwriting guidelines, with the exception of Community Reinvestment Act (CRA) loans, which exhibit more liberal standards. The major risk in this category is that a significant downward economic trend would increase unemployment and cause payment default. The Bank does not and has never engaged in subprime residential mortgage lending. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consumer Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes consumer installment loans and revolving credit plans. Underwriting is pursuant to industry norms and guidelines. The major risk in this category is a significant economic downturn. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment securities portfolio of the Company and its subsidiaries is managed to provide ample liquidity in a manner that is consistent with proper bank asset/liability management and current banking practices. The objectives of portfolio management include consideration of proper liquidity levels, interest rate and market valuation sensitivity, and profitability. The investment portfolios of the Company and its subsidiaries are proactively managed in accordance with federal and state laws and regulations in accordance with generally accepted accounting principles. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment portfolio is primarily made up of AAA rated agency mortgage-backed securities and short maturity agency securities. During 2012, the Company did add high quality corporate securities to the portfolio. The purpose of this type of portfolio is to generate adequate cash flow to fund potential loan growth, as the market allows. Management strives to maintain a relatively short duration in the portfolio. All holdings must meet standards documented in the AmeriServ Financial Investment Policy. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities classified as held to maturity are carried at amortized cost while investment securities classified as available for sale are reported at fair market value. The following table sets forth the cost basis and fair market value of the Company&#146;s investment portfolio as of the periods indicated: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale at: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,848</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,956</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>131,425</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>165,484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,727</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>145,265</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>176,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>161,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>164,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity at: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14,266</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,914</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,267</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DEPOSITS AND OTHER SOURCES OF FUNDS </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank has a loyal core deposit base made up of traditional commercial bank products that exhibits little fluctuation, other than jumbo certificates of deposits (CDs), which demonstrate some seasonality. The Company also utilizes certain Trust Company specialty deposits related to the ERECT Fund as a funding source which serve as an alternative to wholesale borrowings and can exhibit some degree of volatility. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the average balance of the Company&#146;s deposits and average rates paid thereon for the past three calendar years: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>147,887</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>60,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>85,112</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77,381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>211,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>193,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>186,560</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>327,557</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.62</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>348,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>358,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>833,110</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>0.78</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>817,023</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>1.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>803,494</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>1.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>78,322</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>96,158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,197</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real<BR> estate<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>383,934</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>370,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>396,787</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>353,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>217,584</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>203,323</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>207,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>218,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,420</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,804</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>721,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>664,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>671,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>719,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>706,799</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>637</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>452</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>721,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>670,776</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>719,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>706,108</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">For each of the periods presented beginning with December 31, 2012, real estate-construction loans constituted 2.0%, 1.9%, 3.9%, 6.8% and 6.2% of the Company&#146;s total loans, net of unearned income, respectively. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing Assets </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information concerning non-performing assets: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,679</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,716</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,025</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,814</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,377</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,101</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>436</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>494</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in<BR> non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>182</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 7,224</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. The Company had no loans past due 90 days or more, still accruing, for the periods presented. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with<BR> original terms</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>628</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Secondary Market Activities </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Residential Lending department of the Company continues to originate one-to-four family mortgage loans for customers, the majority of which are sold to outside investors in the secondary market and some of which are retained for the Bank&#146;s portfolio. Mortgages sold on the secondary market are sold to investors on a &#147;flow&#148; basis; mortgages are priced and delivered on a &#147;best efforts&#148; pricing basis, with servicing released to the investor. Fannie Mae/Freddie Mac guidelines are used in underwriting all mortgages with the exception of a limited amount of CRA loans. Mortgages with longer terms, such as
20-year, 30-year, FHA, and VA loans, are usually sold. The remaining production of the department includes construction, adjustable rate mortgages, 10-year, 15-year, and bi-weekly mortgages. These loans are usually kept in the Bank&#146;s portfolios, although during periods of low interest rates 15-year loans are typically sold into the secondary market as they have been over the last several years. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL NON-BANKING SUBSIDIARIES </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV TRUST AND FINANCIAL SERVICES COMPANY </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Trust and Financial Services Company is a trust company organized under Pennsylvania law in October 1992. As one of the larger providers of trust and investment management products and services between Pittsburgh and Harrisburg, AmeriServ Trust and Financial Services Company is committed to delivering personalized, professional service to its clients. Its staff of approximately 47 professionals administers assets valued at approximately $1.5 billion that are not recognized on the Company&#146;s balance sheet at December 31, 2012. The Trust Company focuses on wealth management. Wealth management includes personal
trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. This segment also includes financial services which include the sale of mutual funds, annuities, and insurance products. The wealth management business also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The BUILD funds are in the process of liquidation. At December 31, 2012, the Trust Company had total assets of $4.0 million and total stockholder&#146;s equity of $3.5 million. In 2012, the Trust Company contributed earnings to the corporation as its gross revenue amounted to $7.1 million and the net income
contribution was $843,000. The Trust Company is subject to regulation and supervision by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV LIFE </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Life is a captive insurance company organized under the laws of the State of Arizona. AmeriServ Life engages in underwriting as reinsurer of credit life and disability insurance within the Company&#146;s market area. Operations of AmeriServ Life are conducted in each office of the Company&#146;s banking subsidiary. AmeriServ Life is subject to supervision and regulation by the Arizona Department of Insurance, the Pennsylvania Insurance Department, and the Board of Governors of the Federal Reserve System (the Federal Reserve). At December 31, 2012, AmeriServ Life had total assets of $411,000. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MONETARY POLICIES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial banks are affected by policies of various regulatory authorities including the Federal Reserve. An important function of the Federal Reserve is to regulate the national supply of bank credit. Among the instruments of monetary policy used by the Federal Reserve are: open market operations in U.S. Government securities, changes in the federal funds rate and discount rate on member bank borrowings, and changes in reserve requirements on bank deposits. These means are used in varying combinations to influence overall growth of bank loans, investments, and deposits, and may also affect interest rate charges on loans or
interest paid for deposits. The monetary policies of the Federal Reserve have had, and will continue to have, a significant effect on the operating results of commercial banks in the past and are expected to continue to do so in the future. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMPETITION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our subsidiaries face strong competition from other commercial banks, savings banks, credit unions, savings and loan associations, and other financial or investment service institutions for business in the communities they serve. Several of these institutions are affiliated with major banking and financial institutions which are substantially larger and have greater financial resources than the Bank and the Trust Company. As the financial services industry continues to consolidate, the scope of potential competition affecting our subsidiaries will also increase. Brokerage houses, consumer finance companies, insurance
companies, and pension trusts are important competitors for various types of financial services. In addition, personal and corporate trust investment counseling services are offered by insurance companies, other firms, and individuals. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MARKET AREA &amp; ECONOMY </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Much of the uncertainty about the economic climate, plus tax and federal spending policies that plagued employers in 2012 continues in 2013. A March 2013 deadline for automatic spending cuts totaling about $1.2 trillion as well as the unresolved debt ceiling debate will result in continued caution by businesses </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">pondering investment. A payroll tax hike included in the fiscal cliff deal will take up to one percentage point from GDP this year. This combined with federal spending cuts will likely result in GDP growth of about 2%, roughly the same pace as last year. Modest growth is expected in the second half of the year with consumer confidence, already the highest in five years, likely to continue to improve as home prices and employment rise. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Job growth is anticipated to hold steady in 2013. Job gains in the private sector are being spread widely, including the health care, manufacturing and construction industries. Moreover, growth in housing, exports and business spending are all positives for jobs. The unemployment rate, currently at 7.8% nationally, is expected to improve modestly to approximately 7.5% by the end of 2013. Current and anticipated job growth, however, is too low to give the economy much-needed impetus. Until the current pace of job creation picks up considerably, there will be no reduction in the number of long-term unemployed. Odds are that
growth will pick up in the second half of the year. Two major obstacles will cause companies to remain cautious this year and may derail improvement: a Washington showdown over the federal debt ceiling and uncertainty over whether automatic spending cuts will be allowed to take effect. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Most interest rates, but short-term rates in particular, are expected to change little over 2013. The Federal Reserve indicated it will stand pat on it&#146;s near-zero federal funds rate. The Fed Open Market Committee announced for the first time ever the exact conditions under which it will hold interest rates low. As long as unemployment remains above 6.5% and inflation remains less than 0.5% above the committee&#146;s long-run goal of 2% the fed funds rate will remain at its current near-zero levels. There is likely to be some increase in long-term rates, though not a lot, as the economy posts more growth in the second
half of 2013. That will focus more attention on the potential for rising inflation, nudging long-term rates up a bit. With GDP likely to increase only around 2% for the year, a surge isn&#146;t likely. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Inflation is poised to tick a bit higher than expected this year. The Consumer Price Index is anticipated to increase about 2.3% for the 12 months through December. That&#146;s up from about 1.7% for 2012. The main culprits are food and gasoline. Core inflation, which does not include prices of food and energy, isn&#146;t likely to increase much. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Housing is expected to improve in 2013. With builder optimism growing, mortgage rates near all-time lows and rising prices lifting more homes above water, housing should add about half a percentage point to GDP next year. Historically low mortgage rates will help. With the Federal Reserve continuing to buy mortgage-backed securities and pledging to hold rates down for a prolonged period, there&#146;s little reason to expect much of an increase through 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The economy in Cambria and Somerset counties, Pennsylvania at the end of 2012 produced seasonally adjusted unemployment rates of 8.9% and 9.7%, respectively, as compared to national and state rates of 7.8% and 7.9%. Local markets continue to be negatively impacted by the slow economic conditions that exist in the national economy. December 2012 marks five years after the start of the Great Recession. Since that time, total nonfarm jobs in Johnstown MSA have fallen by 2600, split evenly between government and the private sector. Johnstown, PA, where AmeriServ Financial, Inc is headquartered continues to have a cost of living
that is lower than the national average. As of November 30, 2012, total nonfarm jobs in Johnstown MSA were 1,000 above the November 2011 level with gains coming primarily from education and health services while all other categories demonstrated little change. The unemployment rate fluctuated between 7.6% and 9.3% during 2012. In the recent past, work on defense projects has contributed to economic growth in the region. However, a change in leadership due to the loss of a local Congressman due to congressional redistricting creates cause for concern about the continued positive impact from the defense industry. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Economic conditions are stronger in the State College market and have demonstrated the same modest improvement experienced in the national economy. The unemployment rate for State College MSA reached 5.0% late in 2012, which represents a 0.7% improvement over the 2011 average and remains the lowest of all regions in the Commonwealth. Seasonally adjusted total nonfarm jobs for the MSA increased by 2,900 since December 2011. A large percentage of the population in State College falls into the 18 to 34 year old age group, while potential customers in the Cambria/Somerset markets tend to be over 50 years of age. Overall,
opportunities in the State College market are quite different and challenging, providing a promising source of business to profitably grow the Company. </P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company entered new markets in 2012 with the opening of loan production offices in Harrisburg in Dauphin county, Pennsylvania and Altoona in Blair county, Pennsylvania. The Company also moved outside of Pennsylvania and opened a third loan production office in Hagerstown, Maryland. Harrisburg is the metropolitan center for some 400 communities. Its economy and more than 6,900 businesses are diversified with a large representation of service-related industries (especially health) and growing technological industry to accompany the dominant government field inherent to being the state&#146;s capital. The largest employer,
state government, provides stability to the economy and attracts attendant services. Excellent roads and rail transportation contribute to the city&#146;s prominence as a center for trade, warehousing, and distribution. The unemployment rate decreased from a 2011 average of 7.2% to 7.1% late in 2012 in the Harrisburg-Carlisle MSA region. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Hagerstown and Washington county, Maryland, offers a rare combination of business advantages providing a major crossroads location that is convenient to the entire East Coast at the intersection of I-81 and I-70. It has a ready workforce of over 400,000 with strengths in manufacturing and technology. It also offers an affordable cost of doing business and living located an hour from the Washington, D.C./Baltimore regions, but with much lower costs. There is also plenty of facilities and land slated for development of available industrial/commercial space. Hagerstown has become a choice location for manufacturers, financial
services, and distribution companies. While exhibiting a higher unemployment rate, the Hagerstown, MD-Martinsburg, WV area also improved from a 9.0% average in 2011 to a 7.9% average in 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona is the business center of Blair county, Pennsylvania with a strong retail, government and manufacturing base. The top field of employment in Altoona and the metro area is healthcare. Altoona is the linchpin of the Tri-City Region. Its location along I-99 draws from a large trade area over a wide geographic area that extends to State College and Johnstown. It serves as the headquarters for Sheetz Corporation which ranks on Forbes list of the top privately owned companies. In addition to being located adjacent to interstate 99 and a major highway system, Altoona also has easy access to rail and air transportation. It is
also ranked high in Inc. Magazine&#146;s best small markets to do business. The unemployment rate in the Altoona MSA decreased from a 7.6% average in 2010 to a 7.0% average in 2011 and was at 6.6% at the end of 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the near future, the Pennsylvania economy has the opportunity to continue to benefit from the production of shale gas. The Marcellus Shale, which underlies a vast majority of the state, is the largest unconventional natural gas reserve in the world. There is enormous economic potential for Pennsylvania to take advantage of this reserve as new drilling techniques have unlocked vast resources previously impossible to reach. The industry will create jobs in drilling and extraction, trucking and water treatment, gas line construction and maintenance, and in producing the materials for all of these needs. The successful
development of natural gas represents one of our best opportunities to reignite Pennsylvania as a center for innovation and economic growth. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EMPLOYEES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company employed 374 people as of December 31, 2012, in full- and part-time positions. Approximately 188 non-supervisory employees of the Company are represented by the United Steelworkers, AFL-CIO-CLC, Local Union 2635-06. In 2009, the Company successfully negotiated a new four year labor contract with the United Steelworkers Local that will expire on October 15, 2013. The contract calls for annual wage increases of 1.5% in the first year, 2.0% in each of the second and third years, and 3.0% in the fourth year. The Company has not experienced a work stoppage since 1979. The Company is one of an estimated 10
union-represented banks nationwide. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INDUSTRY REGULATION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The banking and trust industry, and the operation of bank holding companies, is highly regulated by federal and state law, and by numerous regulations adopted by the federal banking agencies and state banking agencies. Bank regulation affects all aspects of conducting business as a bank, including such major items as minimum capital requirements, limits on types and amounts of investments, loans and other assets, as well as borrowings and other liabilities, and numerous restrictions or requirements on the loan terms and other products made available to customers, particularly consumers. Federal deposit insurance (from the
FDIC) is required for all banks in the United States, and maintaining FDIC insurance requires observation of the various rules of the FDIC, as well as payment of deposit premiums. New branches, or acquisitions or mergers, </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">are required to be pre-approved by the responsible agency, which in the case of the Company and the Bank is the Federal Reserve and the Pennsylvania Department of Banking. The Bank provides detailed financial information to its regulators, including a quarterly call report that is filed pursuant to detailed prescribed instructions to ensure that all U.S. banks report the same way. The U.S. banking laws and regulations are frequently updated and amended, especially in response to crises in the financial industry, such as the global financial crisis of 2008, which resulted in the Dodd-Frank Wall Street Reform and Consumer
Protection Act enacted in 2010, a massive statute over 1,000 pages in length affecting many facets of the financial industry. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">While it is impractical to discuss all laws and regulations that regularly affect the business of the Company and its subsidiaries, set forth below is an overview of some of the major provisions and statutes that apply. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CAPITAL REQUIREMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the most significant regulatory requirements for banking institutions is minimal capital, imposed as a ratio of capital to assets. The Federal Deposit Insurance Act, as amended, identifies five capital categories for insured depository institutions: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. It requires U.S. federal bank regulatory agencies to implement systems for &#147;prompt corrective action&#148; for insured depository institutions that do not meet minimum capital requirements based on these categories. The FDICIA imposes progressively
more restrictive constraints on operations, management and capital distributions, depending on the category in which an institution is classified. Unless a bank is well capitalized, it is subject to restrictions on its ability to utilize brokered deposits and on other aspects of its operations. Generally, a bank is prohibited from paying any dividend or making any capital distribution or paying any management fee to its holding company if the bank would thereafter be undercapitalized. An undercapitalized bank must develop a capital restoration plan, and its parent holding company must guarantee the bank&#146;s compliance with the plan up to the lesser of 5% of the bank&#146;s assets at the time it became undercapitalized and the amount needed to comply with the plan. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2012, the Company believes that its bank subsidiary was well capitalized, based on the prompt corrective action guidelines described above. As discussed below, however, the capital requirements for all banks are being increased under the Dodd-Frank Act. As required by that Act, the banking agencies have proposed new capital regulations, but have not yet issued final rules. The Company believes that new capital requirements, significantly increasing the amount of capital required over today&#146;s requirements, will be imposed over the next couple of years. A bank&#146;s capital category is determined solely
for the purpose of applying the prompt corrective action regulations, and the capital category may not constitute an accurate representation of the bank&#146;s overall financial condition or prospects for other purposes. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SARBANES-OXLEY ACT OF 2002 </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Sarbanes-Oxley Act of 2002 is not a banking law, but contains important requirements for public companies in the area of financial disclosure and corporate governance. In accordance with Section 302(a) of the Sarbanes-Oxley Act, written certifications by the Company&#146;s Chief Executive Officer and Chief Financial Officer are required. These certifications attest, among other things, that the Company&#146;s quarterly and annual reports filed with the SEC do not contain any untrue statement of a material fact. In response to the Sarbanes-Oxley Act of 2002, the Company adopted a series of procedures to further strengthen
its corporate governance practices. The Company also requires signed certifications from managers who are responsible for internal controls throughout the Company as to the integrity of the information they prepare. These procedures supplement the Company&#146;s Code of Conduct Policy and other procedures that were previously in place. In 2005, the Company implemented and has since maintained a program designed to comply with Section 404 of the Sarbanes-Oxley Act. This program included the identification of key processes and accounts, documentation of the design of control effectiveness over process and entity level controls, and testing of the effectiveness of key controls. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRIVACY PROVISIONS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal banking regulators adopted rules that limit the ability of banks and other financial institutions to disclose non-public information about customers to non-affiliated third parties. These limitations require disclosure of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to non-affiliated third parties. The privacy provisions affects how consumer </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">information is transmitted through diversified financial companies and conveyed to outside vendors. The Company believes it is in compliance with the various provisions. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">USA PATRIOT ACT </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A major focus of governmental policy on financial institutions in recent years has been aimed at combating money laundering and terrorist financing. The USA Patriot Act substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties and expanding the extra-territorial jurisdiction of the United States. The United States Treasury Department has issued and, in some cases, proposed a number of regulations that apply various requirements of the USA Patriot Act to financial institutions. These
regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with all of the relevant laws or regulations, could have serious legal and reputational consequences for the Company. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 21, 2010, the President signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;). This law significantly changed the previous bank regulatory structure and affects the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare various studies and reports for Congress. The federal agencies are given significant discretion in drafting such rules and regulations. The due date for many of such regulations is still in the future; consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for months or years. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Many provisions of the Dodd-Frank Act are already in effect. For example, effective July 21, 2011, a provision of the Dodd-Frank Act eliminates the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts. Depending on competitive responses, this significant change to prior law could have an adverse impact on the Company&#146;s interest expense. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also broadened the base for Federal Deposit Insurance Corporation insurance assessments. Assessments will now be based on the average consolidated total assets less tangible equity capital of a financial institution. The Dodd-Frank Act also permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2008, and non-interest bearing transaction accounts had unlimited deposit insurance through December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Bank and thrift holding companies with assets of less than $15 billion as of December 31, 2009, such as the Company, will be permitted to include trust preferred securities that were issued before May 19, 2010, as Tier 1 capital; however, trust preferred securities issued by a bank or thrift holding company (other than those with assets of less than $500 million) after May 19, 2010, will no longer count as Tier 1 capital. Trust preferred securities still will be entitled to be treated as Tier 2 capital. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also requires publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called &#147;golden parachute&#148; payments. The legislation also directs the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to bank holding company executives, regardless of whether the company is publicly traded. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">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 &#147;unfair, deceptive or abusive&#148; 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. Banks and savings institutions with $10 billion or less in assets
such as the Company will continue to be examined for compliance with the consumer laws by their </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">primary bank regulators. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable for national banks and federal savings associations and gives state attorney generals the ability to enforce federal consumer protection laws. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is difficult to predict at this time what the total impact the Dodd-Frank Act will have on community banks. However, it is expected that, at a minimum, it will increase our capital requirements, our operating and compliance costs, and could increase our interest expense. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AVAILABLE INFORMATION </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We file annual, quarterly and current reports, proxy statements and other information with the SEC. These filings are available to the public on the Internet at the SEC&#146;s website at<I> http://www.sec.gov</I>. You may also read and copy any document we file with the SEC at the SEC&#146;s public reference room, located at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information on the public reference room. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our Internet address is<I> http://www.ameriserv.com</I>. We make available free of charge on <I>http://www.ameriserv.com</I> our annual, quarterly and current reports, and amendments to those reports, as soon as reasonably practical after we electronically file such material with, or furnish it to, the SEC. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tRF"></a>ITEM 1A. RISK FACTORS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tUSE"></a>ITEM 1B. UNRESOLVED STAFF COMMENTS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has no unresolved staff comments from the SEC for the reporting periods presented. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tPS"></a>ITEM 2. PROPERTIES </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The principal offices of the Company and the Bank occupy the five-story AmeriServ Financial building at the corner of Main and Franklin Streets in Johnstown plus twelve floors of the building adjacent thereto. The Company occupies the main office and its subsidiary entities have 14 other locations which are owned. Nine additional locations are leased with terms expiring from January 1, 2013 to August 31, 2030. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tLP"></a>ITEM 3. LEGAL PROCEEDINGS </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to a number of asserted and unasserted potential legal claims encountered in the normal course of business. In the opinion of both management and legal counsel, there is no present basis to conclude that the resolution of these claims will have a material adverse effect on the Company&#146;s consolidated financial position, results of operations or cash flows. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMSD"></a>ITEM 4. MINE SAFETY DISCLOSURE </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART II </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMRCE"></a>ITEM 5. MARKET FOR THE REGISTRANT&#146;S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMMON STOCK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of January 31, 2013, the Company had 3,906 shareholders of record for its common stock. The Company&#146;s common stock is traded on the NASDAQ Global Market System under the symbol &#147;ASRV.&#148; The following table sets forth the actual high and low closing prices and the cash dividends declared per share for the periods indicated: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>PRICES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>CASH DIVIDENDS DECLARED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HIGH</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>LOW</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2012:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.85</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.99</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.76</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2011<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.59</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Equity Compensation Plan Information </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the number of shares remaining for issuance under ASRV&#146;s outstanding stock incentive plans as of December 31, 2012. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=13>Equity Compensation Plan Information</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Plan category</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities to be issued upon exercise of outstanding options, warrants and rights<BR> (a)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-average exercise price of outstanding options, warrants and rights (b)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))<BR> (c)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity compensation plans approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>398,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>632,491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity compensation plans not approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>398,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>632,491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In November 2011, the Board of Directors authorized a new program to repurchase 1.1 million common shares. The following table summarizes common share repurchase activity for the quarter ended December 31, 2012. This repurchase program is now considered complete. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total Number<BR> of Shares</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average Price Paid Per Share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of Shares that may<BR> yet be Purchased</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>October</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>106,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>November</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.99</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSCFD"></a>ITEM 6. SELECTED CONSOLIDATED FINANCIAL DATA </H5>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SELECTED FIVE-YEAR CONSOLIDATED FINANCIAL DATA</P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT OR FOR THE YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SUMMARY OF INCOME<BR> STATEMENT DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47,455</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47,819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,714</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,702</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,858</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,092</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,192</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,943</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,424</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,641</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35,637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (benefit) for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,470</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss) available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,211</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(6,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings (loss) per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings (loss) per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.025</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Book value at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>BALANCE SHEET AND<BR> OTHER DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>948,974</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>970,026</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>966,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>722,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>707,108</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,910</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>131,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>126,781</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,894</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>835,734</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>816,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>801,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>786,011</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>694,956</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,745</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>64,664</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>146,863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>110,468</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Full-time equivalent employees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>350</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>347</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>353</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SELECTED FINANCIAL RATIOS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.51%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average total equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.51</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income, as a percent of deposits, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>91.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of average total equity to average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock cash dividends as a percent of net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.65</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses as a percentage of loans, net of unearned income, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of loans and other real estate owned, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs as a percentage of average loans and loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of earnings to fixed charges and preferred dividends:<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Excluding interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.80X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.11X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.49X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1.12)X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.17X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Including interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative one year interest rate sensitivity gap ratio, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.30</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">The ratio of earnings to fixed charges and preferred dividends is computed by dividing the sum of income before taxes, fixed charges, and preferred dividends by the sum of fixed charges and preferred dividends. Fixed charges represent interest expense and are shown as both excluding and including interest on deposits. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13</P>

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<div id="HDR">&nbsp;</div>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMDAC"></a>ITEM 7. MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF CONSOLIDATED FINANCIAL CONDITION AND RESULTS OF OPERATIONS (MD&amp;A) </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following discussion and analysis of financial condition and results of operations of AmeriServ Financial, Inc. (AmeriServ) should be read in conjunction with the consolidated financial statements of AmeriServ Financial, Inc. including the related notes thereto, included elsewhere herein. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RESULTS OF OPERATIONS FOR THE YEARS ENDED DECEMBER 31, 2012, 2011, AND 2010 </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2012 SUMMARY OVERVIEW: </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On January 22, 2013, AmeriServ reported its 2012 fourth quarter and full year financial results. Regarding the fourth quarter 2012, net income available to common shareholders was $683,000 or $0.04 per diluted share. This represents a decline from $1,505,000 or $0.07 per diluted share reported for the fourth quarter 2011. The quarter itself was quite positive in the basic &#147;blocking and tackling&#148; common to today&#146;s community banking. For example, lending is now the strongest it has been since 2009, with a growth in net loans of $25.1 million during the fourth quarter. Non-interest income reached a recent high, as
the Trust Company and residential mortgage originations continued their growth. Operating expenses increased by $254,000 over the fourth quarter of 2011. This was a result of the necessary expenses needed to develop the new Loan Production Offices in Altoona and Harrisburg, PA and Hagerstown, MD. However, there was another dynamic at work which relates to our decision to make a provision to the allowance for losses during the fourth quarter of 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe it is broadly apparent that the national economy continues to struggle. And, the length of this struggle is having an impact on AmeriServ&#146;s markets. Small businesses, often family-owned, form a significant segment of AmeriServ&#146;s borrowers. These are excellent people, our friends and neighbors, and the source of countless jobs throughout the region. But the length of this economic weakness is taking its toll. Unemployment rates continue to rise, and newspaper headlines are discouraging. We believe that the $1.9 million increase in non-performing assets in the fourth quarter was an indication of this
economic pressure. Therefore, the Board and management chose to make the first positive contribution to the allowance for loan losses since the third quarter of 2010. We have learned over the years to carefully react to such trends. AmeriServ has maintained strong asset quality by recognizing weakened borrowers early so we can help them meet their obligations. This was our strategy during the Great Recession of 2008 and 2009. Therefore, this action simply recognizes the realities of the struggling economy, and is the necessary insurance policy needed to protect the franchise and the investment of our shareholders. A bit of research will substantiate that AmeriServ is well reserved for difficult times, and has a long history of helping borrowers help themselves. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the full year 2012, AmeriServ produced net income available to common shareholders of $4,211,000 or $0.21 per diluted share. The result was $942,000 or $0.03 per share less than 2011. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once again this performance was aided by strong results in several business lines. Net loans increased by $61 million. Deposits increased by $19 million. Non interest income increased by $1.37 million, and non-interest expenses were held to a 1.51% increase over 2011. However, the ultimate bottom line was impacted by fewer reductions in the allowance for loan losses during the first three quarters of 2012, and the decision to further strengthen that reserve by adding $550,000 in the fourth quarter due to an increase in non-performing loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We were especially pleased by a few specific areas of strong performance: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">The Trust Company increased its bottom line by 18.3% over 2011. Mortgage originations surpassed 2011 by closing $117 million in new mortgages, an increase of 41% over the prior year. The Commercial Lending Division averaged more than 400 calls per month. These calls resulted in more loans to small businesses, and thus, the US Treasury rewarded us with a 4% reduction in the cost of Treasury Preferred Stock provided by the Small Business Loan Fund. This savings totals about $200,000 per quarter. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In normal times, this story of strong loans and deposits, higher levels of non-interest income and careful expense management should be the right recipe for earnings growth. But there is a well-recognized limiting factor at work. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We are aware that following the Lehman Brothers bankruptcy in September 2008, financial markets were in a free fall. Understandingly, at that time, the Federal Reserve adopted a low interest rate policy in an attempt to keep credit markets functioning. But now, here in 2013, we begin the fifth year of this low interest rate program. This period of &#147;easy money&#148; has reduced the interest payments on the Federal debt. But this low interest rate policy punishes savers, pension funds, and community banks. Rates on loans are at the lowest level since the 1930s and World War II. This means community bank revenue has shrunk
precipitously during this period. But here is the essential paradox. Unfortunately the four plus years of &#147;easy money&#148; has not reduced unemployment or increased economic activity as expected. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The AmeriServ Board and its management team constantly monitor these trends. We&#146;ve learned that weakening economic conditions require action. During 2008 and 2009, AmeriServ created &#147;Fortress Johnstown&#148; with strong capital, deep liquidity, and realistic loan loss reserves. These actions resulted in a quick recovery in 2010 and 2011. Therefore, we have again taken the necessary actions to continue AmeriServ&#146;s position as a strong and disciplined community bank. We believe this is the correct course and we are pleased to maintain the balance sheet strength needed to take swift action. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We are very aware that this is a challenging time for investors. The financial sector has been severely criticized for unwise practices and programs. But AmeriServ&#146;s Board and management pledged that this company would return to its community banking roots and not participate in financial gimmicks and fads. The result has been three consecutive profitable years since the Great Recession. On December 31, 2010, AmeriServ common stock closed at $1.58; on December 31, 2011, it closed at $1.95, a gain of 23%; and, on December 31, 2012, our stock closed at $3.01, an additional gain of 54%. In just 24 months our stock price has
increased by 91%. These gains, along with the $5 million buyback of common shares from the fourth quarter of 2011 through the end of 2012, has been part of a continuing program to reward the people and companies who are our valued investors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The United States is involved in a long-term effort to reduce the level of debt at the individual level, the company level and the government level. It is essential for the long term health of our nation. But it has and will continue to produce challenges we all must face. AmeriServ will tackle these times with a continued strong capital base, deep liquidity, and careful expense management. We believe this will create a sound and rewarding investment for our shareholders, a good employer for our staff, and a source of economic strength for our communities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>PERFORMANCE OVERVIEW...</B> The following table summarizes some of the Company&#146;s key profitability performance indicators for each of the past three years. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,211</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.51%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.51</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $4.2 million or $0.21 per diluted common share for 2012. This represented a 12.5% decline in earnings per share from 2011 where net income available to common shareholders totalled $5.2 million or $0.24 per diluted share. The largest factor causing the reduction in net income available to common shareholders was the provision for loan losses. The Company recorded a negative provision of $775,000 but this was at a lesser level than the $3,575,000 negative provision for 2011. The Company&#146;s net interest income performance has been relatively stable
throughout 2012. It decreased for the full year of 2012 by only $80,000, or 0.2%, when compared to the entire year of 2011. The Company&#146;s strong growth in non-interest income has been a financial performance highlight in 2012. Non-interest income increased by $1.4 million or 10.1% largely due to increased revenue from residential mortgage banking activities and our Trust Company&#146;s wealth management businesses. Continued focus on expense control helped contain the increase in non-interest expense to $604,000 or 1.5%. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Finally, diluted earnings per share were impacted by the $828,000 dividend requirement on the US Treasury SBLF preferred stock which reduced the amount of net income available to common shareholders. This amount, however, was less than the preferred stock dividend and accelerated preferred stock discount accretion related to the former TARP CPP preferred stock that totalled $1,385,000 in 2011. The Company has been successful in growing commercial loans in categories that qualify for the SBLF. As such, the dividend rate that AmeriServ pays on the SBLF preferred stock dropped in the fourth quarter of 2012 from 5% to 1%-the lowest
rate available under the SBLF program. This 1% rate, which is now locked in for the first half of 2013, saves the Company approximately $200,000 on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income of $6.5 million or $0.24 per diluted common share for 2011. This represents an increase of $5.3 million from the 2010 net income of $1.3 million or $0.01 per diluted common share. A significant and sustained improvement in asset quality was an important factor contributing to our financial success in 2011. Specifically, non-performing assets and classified loans again declined as a result of our successful problem credit resolution efforts allowing the Company to reverse a portion of the allowance for loan loss into earnings in 2011 while still increasing the non-performing assets coverage
ratio. The Company&#146;s net interest income performance was relatively stable throughout 2011. It decreased for the full year of 2011 by only $59,000, or 0.2%, when compared to the entire year of 2010. Non-interest income decreased by $398,000 or 2.8% largely due to an investment security loss of $358,000 realized in the first quarter of 2011 that resulted from a portfolio repositioning strategy. Continued focus on expense control helped contain the increase in non-interest expense to $340,000 or 0.9%. Income tax expense increased sharply by $2.8 million in 2011 due to the Company&#146;s improved profitability. Finally, diluted earnings per share were again impacted by the $1.1 million dividend requirement on preferred stock and the $267,000 accelerated preferred stock discount accretion related to the repayment of the TARP CPP preferred stock which reduced the amount of net income available to common shareholders. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income of $1.3 million or $0.01 per diluted common share for 2010. This represented an increase of $6.2 million from the 2009 net loss of $4.9 million or $0.29 per diluted common share. Improvements in asset quality were a key factor causing our increased earnings in 2010. Proactive monitoring of our loan portfolio and problem credits allowed us to carefully adjust downward the provision for loan losses in each quarter of 2010 while still maintaining good loan loss reserve coverage ratios. Also, there was little change in total revenue in 2010 as both net interest income and non-interest income were
comparable with the prior year. Non-interest expenses increased moderately in 2010 as they grew by 1.4%. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NET INTEREST INCOME AND MARGIN... </B>The Company&#146;s net interest income represents the amount by which interest income on earning assets exceeds interest paid on interest bearing liabilities. Net interest income is a primary source of the Company&#146;s earnings; it is affected by interest rate fluctuations as well as changes in the amount and mix of earning assets and interest bearing liabilities. The following table summarizes the Company&#146;s net interest income performance for each of the past three years: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,714</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.65%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2012 NET INTEREST PERFORMANCE OVERVIEW... </B>The Company&#146;s net interest income performance has again been relatively stable throughout 2012 decreasing by only $80,000, or 0.2%, when compared to 2011. The Company&#146;s 2012 net interest margin of 3.65% was seven basis points lower than the net interest margin of 3.72% for 2011. The decreased net interest margin reflects the challenges of a flatter yield curve which has pressured interest revenue in 2012 and demonstrates the impact of the Federal Reserve low interest rate policies. The Company has been able to overcome this net interest margin pressure and keep net
interest income relatively constant by reducing its cost of funds and growing its earning assets, particularly loans. Specifically, total loans outstanding have increased for seven consecutive quarters and now are $61 million or 9.1% higher than they were at December 31, 2011. This loan growth reflects the successful </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied commercial real estate loans which qualify as SBLF loans, particularly through its new loan production offices. Despite this growth in loans, total interest revenue dropped by $2,047,000 between years and reflects the lower interest rate environment and flatter yield curve. Interest revenue has also been negatively impacted by increased premium amortization on mortgage backed securities due to faster mortgage prepayment speeds. However, careful management of funding costs has allowed the Company
to mitigate a significant portion of this drop in interest revenue during the past year. Specifically, total interest expense for 2012 declined by $1,967,000 from 2011 due to the Company&#146;s proactive efforts to reduce deposit and borrowing costs. Even with this reduction in deposit costs, the Company still experienced solid growth in deposits which increased by $19 million or 2.4% over the past year. Overall, the Company expects that this net interest margin pressure will continue in 2013 given the Federal Reserve&#146;s announced plans to continue the Quantitative Easing 3 Program and their pledge to keep short term interest rates exceptionally low into 2015. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2012 VERSUS 2011... </B>Regarding the separate components of net interest income, the Company&#146;s total interest income in 2012 decreased by $2.0 million when compared to 2011. This decrease was due to a 32 basis point decline in the earning asset yield from 4.84% to 4.52%, partially offset by additional interest income from a $12.5 million increase in average earning assets due to an increase in average loans. Within the earning asset base, the yield on the total loan portfolio decreased by 33 basis points from 5.39% to 5.06%, while the yield on total investment securities
dropped by 43 basis points from 3.15% to 2.72%. In the current interest rate environment, new investment securities and loans typically have yields that are below the rate on the maturing instruments that they are replacing. Investment securities interest revenue has also been negatively impacted by increased premium amortization on mortgage backed securities of $334,000 due to faster mortgage prepayment speeds. Despite a $26 million or 3.9% increase in total average loans, total loan interest revenue dropped by $887,000 between years and reflects the impact of this lower interest rate environment. Overall, the increase in loans caused the Company&#146;s loan to deposit ratio to average 82.7% in 2012 compared to 81.1% in 2011. Good commercial loan pipelines suggest that the Company should be able to again grow the loan portfolio in 2013 and further increase the loan to deposit ratio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s total interest expense for 2012 decreased by $2.0 million, or 20.3%, when compared to 2011. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by 28 basis points to 1.09%. Management&#146;s decision to further reduce interest rates paid on all deposit categories has not had a negative impact on deposit growth as consumers and businesses have sought the safety and liquidity provided by well-capitalized community banks like AmeriServ Financial. This decrease in funding costs occurred in spite of a $3.5 million increase in the volume of
interest bearing liabilities. Additionally, the Company&#146;s funding mix also benefited from a $12.6 million increase in non-interest bearing demand deposits. Overall, in 2012 the Company was able to fund its net asset growth with core deposits as wholesale borrowings averaged only 1.1% of total assets. The Company also does not use brokered certificates of deposit as a funding source. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2011 NET INTEREST PERFORMANCE OVERVIEW... </B>The Company&#146;s net interest income performance was relatively stable in 2011. For the full year of 2011, it decreased by only $59,000, or 0.2%, when compared to the entire year of 2010. The Company&#146;s 2011 net interest margin averaged 3.72%, which was seven basis points lower than the 2010 net interest margin of 3.79%. Reduced loan balances were the primary factor causing the drop in both net interest income and net interest margin in 2011. Specifically, total loans averaged $663 million for the full year 2011, a decrease of $39 million or 5.5% from the 2010 year. The
lower balances reflect the results of the Company&#146;s focus on reducing its commercial real estate exposure and problem loans, particularly during the first half of 2011. However, total loan balances bottomed out in the first quarter of 2011 and increased by $26 million during the remainder of 2011 due to the Company&#146;s more intensive sales calling efforts for commercial loans and growth in home equity loans. The Company strengthened its excellent liquidity position by reinvesting excess cash in high quality investment securities and short-term investments whose average balance increased by $42 million in 2011. Careful management of funding costs allowed the Company to mitigate a significant portion of the drop in interest revenue during 2011. Specifically, interest expense for 2011 decreased by $2.8 million due to reduced deposit costs. This </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">reduction in deposit costs did not negatively impact deposit balances which increased by $15 million or 1.9% since December 31, 2010. The Company is particularly pleased with the growth achieved in non-interest bearing demand deposits in 2011 whose balances on average increased by $12 million or 10.0%. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2011 VERSUS 2010... </B>Regarding the separate components of net interest income, the Company&#146;s total interest income in 2011 decreased by $2.9 million when compared to 2010. This decrease was due to a 42 basis point decline in the earning asset yield from 5.26% to 4.84%, partially offset by additional interest income from a $2.8 million increase in average earning assets due to an increase in investment securities. Within the earning asset base, the yield on the total loan portfolio decreased by 19 basis points from 5.58% to 5.39% while the yield on total investment securities
dropped by 39 basis points from 3.54% to 3.15%. Both of these yield declines reflect the impact of the lower interest rate environment that has been in place for over 3 years. Also the asset mix shift with fewer dollars invested in loans and more dollars invested in lower yielding short duration investment securities also negatively impacts the earning asset yield. Overall, the decline in loans combined with deposit growth caused the Company&#146;s loan to deposit ratio to average 81.1% in 2011 compared to 87.3% in 2010. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s total interest expense for 2011 decreased by $2.8 million, or 22.5%, when compared to 2010. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by 38 basis points to 1.37%. Management&#146;s decision to reduce interest rates paid on all deposit categories has not had any negative impact on deposit growth. This decrease in funding costs was also aided by a drop in interest expense associated with a $9.6 million decrease in the volume of interest bearing liabilities. Specifically, the average balance of all FHLB borrowings declined by $10.8
million, but was partially offset by a $1.2 million increase in interest bearing deposits. Additionally, the Company&#146;s funding mix also benefited from a $12.3 million increase in non-interest bearing demand deposits. Overall, in 2011 the Company was able to further reduce its reliance on borrowings as a funding source as wholesale borrowings averaged only 1.1% of total assets. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table that follows provides an analysis of net interest income on a tax-equivalent basis setting forth (i) average assets, liabilities, and stockholders&#146; equity, (ii) interest income earned on interest earning assets and interest expense paid on interest bearing liabilities, (iii) average yields earned on interest earning assets and average rates paid on interest bearing liabilities, (iv) interest rate spread (the difference between the average yield earned on interest earning assets and the average rate paid on interest bearing liabilities), and (v) net interest margin (net interest income as a percentage of average
total interest earning assets). For purposes of these tables loan balances include non-accrual loans, and interest income on loans includes loan fees or amortization of such fees which have been deferred, as well as interest recorded on certain non-accrual loans as cash is received. Regulatory stock is included within available for sale investment securities for this analysis. Additionally, a tax rate of approximately 34% is used to compute tax-equivalent yields. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="136"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="42"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="42"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="136"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="42"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="42"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=35>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>688,736</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,842</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.06%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>662,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investment in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,889</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,834</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>172,947</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.68</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>187,863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,837</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,281</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,828</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>440</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,574</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>433</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>186,775</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,074</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.72</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>197,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>161,265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST EARNING ASSETS/ INTEREST INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>888,034</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>39,944</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>875,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,994</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>872,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>44,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,893</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,297</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,055</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,513</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,212</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>81,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80,206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(13,500)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(17,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(21,218</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>984,521</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>963,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>957,268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>60,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>116</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.19%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>176</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>85,112</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77,381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>211,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>193,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>186,560</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>327,557</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.62</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>348,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>358,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>685,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,502</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.95</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>681,725</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>680,531</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,342</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,119</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,661</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.44</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,769</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,694</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>8.57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST BEARING LIABILITIES/INTEREST EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>709,311</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,714</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>705,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>715,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>147,887</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,517</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,188</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>111,806</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>110,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>107,688</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>984,521</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>963,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>957,268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income/net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,230</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.65%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,313</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax-equivalent adjustment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(27)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>32,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net interest income may also be analyzed by segregating the volume and rate components of interest income and interest expense. The table below sets forth an analysis of volume and rate changes in net interest income on a tax-equivalent basis. For purposes of this table, changes in interest income and interest expense are allocated to volume and rate categories based upon the respective percentage changes in average balances and average rates. Changes in net interest income that could not be specifically identified as either a rate or volume change were allocated proportionately to changes in volume and changes in rate. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2012 vs. 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011 vs. 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EARNED ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,580</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,467)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(887)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,296</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(7)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(439)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(764)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,203)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,003</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(447</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>556</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>82</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(45)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>37</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(357)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(809)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,166)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,027</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(501</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>526</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(3,273)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,050)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,787</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST PAID ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(18)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(11)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(87)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(75)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(141</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>118</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(313)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(195)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(532</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(398)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,154)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,552)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(75)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(64)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(139)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(182</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(331)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,636)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,967)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,423</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,808</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Change in net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,637)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(83)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(698</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>636</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LOAN QUALITY...</B> AmeriServ Financial&#146;s written lending policies require underwriting, loan documentation, and credit analysis standards to be met prior to funding any loan. After the loan has been approved and funded, continued periodic credit review is required. The Company&#146;s policy is to individually review, as circumstances warrant, each of its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company
has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and removed from the pool if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. The following table sets forth information concerning AmeriServ&#146;s loan delinquency and other non-performing assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans past due 30 to 89 days</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,456</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,319</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,791</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,814</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDRs<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,224</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loan delinquency as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.48%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.72</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total classified loans (loans rated substandard or doubtful)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 22,717</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 18,542</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,627</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Non-performing assets are comprised of (i) loans that are on a non-accrual basis, (ii) loans that are contractually past due 90 days or more as to interest and principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of successful ongoing problem credit resolution efforts, the Company realized significant asset quality improvements in 2011. The Company sustained these asset quality improvements throughout the first nine months of 2012 but did experience a $1.9 million increase in non-performing assets during the fourth quarter. This increase largely relates to one problem commercial real estate loan which had been on our watch list and reflects the Company&#146;s consistent practice of quickly identifying and managing problem credits in order to minimize losses during the workout process. Even with this uptick, non-performing
assets are still at a very manageable level of 1.0% of total loans at December 31, 2012. Additionally, loan delinquency levels have been relatively consistent at a low level over the past 3 years averaging approximately 0.50% of total loans. We continue to closely monitor the loan portfolio given the uncertainty in the economy and the number of relatively large-sized commercial and commercial real estate loans within the portfolio. As of December 31, 2012, the 25 largest credits represented 28.0% of total loans outstanding. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>ALLOWANCE AND PROVISION FOR LOAN LOSSES...</B> As described in more detail in the Critical Accounting Policies and Estimates section of this MD&amp;A, the Company uses a comprehensive methodology and procedural discipline to maintain an allowance for loan losses to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The following table sets forth changes in the allowance for loan losses and certain ratios for the periods ended. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,910</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Charge-offs:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(345)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(796)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(840</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(420)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(200)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,761)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,130</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>299</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>245</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>54</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total recoveries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>484</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>755</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,277)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,170</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,267</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,910</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>688,736</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>662,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>725,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>644,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>At December 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>722,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>707,108</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>As a percent of average loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.19%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(0.11)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a percent of each of the following:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total delinquent loans (past due 30 to 89 days)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>363.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>440.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>202.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>216.22</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>288.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>263.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>174.02</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>281.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107.35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>194.88</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a multiple of net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.84x</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.33x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.82x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.50x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.03x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of the Company&#146;s continued good asset quality, we were again able to record a negative provision for loan losses during 2012; but at a lesser level than 2011. Specifically, the Company recorded a negative provision for loan losses of $775,000 in 2012 compared to a credit provision of $3.6 million in 2011. Overall, there has been $2.8 million less earnings benefit from negative loan loss provisions in 2012. We also actively identify and seek prompt resolution to problem credits in order to limit actual losses. For 2012, net charge-offs totaled $1.3 million or 0.19% of total loans which represents a decrease
from 2011 when net charge-offs totaled $1.6 million or 0.24% of total loans. In summary, the allowance for loan losses provided 216% coverage of non-performing loans and was 1.74% of total loans at December 31, 2012, compared to </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">288% of non-performing loans and 2.20% of total loans at December 31, 2011. Additionally, the Company currently does not anticipate that it will record any negative loan loss provisions in 2013 since it returned to a more typical positive provision to the allowance for loan losses during the fourth quarter of 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Significant improvements in asset quality evidenced by lower levels of non-performing assets, classified loans and net-charge-offs allowed the Company to reverse a portion of the allowance for loan losses into earnings in 2011 while still increasing the non-performing assets coverage ratio. As a result of this asset quality improvement, the Company recorded a negative provision for loan losses of $3.6 million in 2011 compared to a $5.3 million provision in 2010. For 2011, net charge-offs totaled $1.6 million or 0.24% of total loans which represented a decrease from 2010 when net charge-offs totaled $5.2 million or 0.74% of
total loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following schedule sets forth the allocation of the allowance for loan losses among various loan categories. This allocation is determined by using the consistent quarterly procedural discipline that was previously discussed. The entire allowance for loan losses is available to absorb future loan losses in any loan category. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=40>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2008</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center"  ROWSPAN=1 COLSPAN=40>&nbsp;&nbsp;(IN THOUSANDS, EXCEPT PERCENTAGES)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14.3%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,841</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>53.2</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,692</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54.9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>50.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30.2</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,015</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>246</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation to general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,018</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,910</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Even though residential real estate-mortgage loans comprise 30.2% of the Company&#146;s total loan portfolio, only $1.3 million or 10.1% of the total allowance for loan losses is allocated against this loan category. The residential real estate-mortgage loan allocation is based upon the Company&#146;s three-year historical average of actual loan charge-offs experienced in that category and other qualitative factors. The disproportionately higher allocations for commercial loans and commercial loans secured by real estate reflect the increased credit risk associated with this type of lending, the Company&#146;s historical loss
experience in these categories, and other qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on the Company&#146;s allowance for loan loss methodology and the related assessment of the inherent risk factors contained within the Company&#146;s loan portfolio, we believe that the allowance for loan losses is adequate at December 31, 2012 to cover losses within the Company&#146;s loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST INCOME...</B> Non-interest income for 2012 totalled $14.9 million, an increase of $1.4 million, or 10.1%, from 2011. Factors contributing to this higher level of non-interest income in 2012 included: </P>

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          <TD STYLE="text-align: justify">a $354,000, or 5.7%, increase in trust fees as our wealth management businesses benefitted from the implementation of new fee schedules and improved asset values under management in 2012. </TD>

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          <TD STYLE="text-align: justify">a $320,000, or 39.4%, increase in gains realized on residential mortgage loan sales into the secondary market due to a record level of mortgage loan production in 2012. The lower long term interest rate environment, resulting from the Federal Reserve&#146;s interest rate policies, has contributed to increased mortgage purchase and refinance activity in 2012. Specifically, the Company sold $74 million of residential mortgage loans into the secondary market in 2012 compared to $60 million in 2011. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

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          <TD STYLE="text-align: justify">a $411,000, or 13.4%, increase in other income again reflecting higher revenue from residential mortgage banking activities such as underwriting and documentation preparation fees. Also, a $162,000 increase in revenue from financial services (annuity and mutual funds sales) was another item contributing to the higher level of other income in 2012. </TD>

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</TABLE>

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          <TD STYLE="text-align: justify">a modest $12,000 investment security gain in 2012 compared to a $358,000 investment security loss in 2011 that resulted from a portfolio repositioning strategy. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest income for 2011 totalled $13.6 million, a decrease of $398,000, or 2.8%, from 2010. Factors contributing to this lower level of non-interest income in 2011 included: </P>

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          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">a $358,000 loss realized on the sale of $17 million of investment securities in the first quarter of 2011 compared to a net security gain of $157,000 in 2010. The Company took advantage of a steeper yield curve earlier in the year to position the investment portfolio for better future earnings by selling some of the lower yielding, longer duration securities in the portfolio and replacing them with higher yielding securities with a shorter duration. </TD>

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          <TD STYLE="text-align: justify">a $342,000, or 27.9%, decrease in revenue from bank owned life insurance as the prior year revenue was enhanced by the receipt of a death benefit. There were no claims within the BOLI program in 2011. </TD>

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          <TD STYLE="text-align: justify">a $643,000, or 10.2%, increase in trust and investment advisory fees as our wealth management businesses benefitted from the implementation of new fee schedules in 2011. </TD>

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          <TD STYLE="text-align: justify">a $146,000, or 15.2%, decrease in gains realized on residential mortgage loan sales into the secondary market due to a reduced level of mortgage refinancing in 2011. However, by historical standards 2011 was still a good year for residential mortgage purchase and refinance activity in the Company&#146;s primary market area as there were $83 million of new loans originated with $60 million or 72% sold into the secondary market in order to help manage long term interest rate risk. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST EXPENSE... </B>Non-interest expense for 2012 totalled $40.6 million, a $604,000, or 1.5%, increase from 2011. Factors contributing to the higher non-interest expense in 2012 included: </P>

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          <TD STYLE="text-align: justify">a $1.8 million, or 8.0%, increase in salaries and employee benefits expense due to higher salaries expense, incentive compensation, and pension expense in 2012. The 2012 personnel expenses also reflect the staffing costs associated with new loan production offices in Altoona and Harrisburg, Pennsylvania, and Hagerstown, Maryland. Note that pension costs related to the Company&#146;s defined benefit pension plan increased by $429,000 or 24.6% in 2012 due to the impact that the low interest rate environment is having on the discount rate used to calculate the plan liabilities. This increasing pension cost was a key factor causing the Company to implement a soft freeze of its defined benefit pension plan for non-union employees beginning January 1, 2013. This will help the Company gradually reduce its pension costs in future years. </TD>

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          <TD STYLE="text-align: justify">an $897,000, or 67.0%, decrease in FDIC insurance expense due to a change in the calculation methodology which took effect in the second half of 2011 and the Company&#146;s improved risk profile. </TD>

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          <TD STYLE="text-align: justify">The Company incurred a $240,000 prepayment penalty on the early retirement of $5.7 million of FHLB term advances in the fourth quarter of 2011. There was no such prepayment charge in 2012. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest expense for 2011 totalled $40.0 million, a $340,000, or 0.9%, increase from 2010. Factors contributing to the higher non-interest expense in 2011 included: </P>

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          <TD STYLE="text-align: justify">a $1.0 million, or 4.7%, increase in salaries and employee benefits expense was due to higher medical insurance costs, increased pension expense, and greater incentive compensation expense in 2011. These costs more than offset the benefit of five fewer full time equivalent employees in 2011. </TD>

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          <TD STYLE="text-align: justify">a $488,000, or 11.2%, decrease in professional fees was due to reduced legal fees, recruitment fees, and lower consulting expenses in the Trust Company. </TD>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

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          <TD STYLE="text-align: justify">a $269,000 decrease in other expense was due to a reduction in costs associated with the reserve for unfunded loan commitments and lower telephone expense resulting from the implementation of technology enhancements<B>.</B> </TD>

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          <TD STYLE="text-align: justify">a $240,000 prepayment penalty was realized on the early retirement of $5.7 million of FHLB term advances during the fourth quarter of 2011. We elected to utilize our strong liquidity to prepay all FHLB term advances with maturities greater than two years in order to reduce future interest expense. </TD>

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          <TD STYLE="text-align: justify">a $237,000, or 15.1%, decrease in FDIC insurance expense was due to a change in the calculation methodology in 2011. </TD>

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</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INCOME TAX EXPENSE... </B>The Company recorded income tax expense of $2.2 million for 2012 which was lower than the 2011 tax expense of $2.9 million due to reduced pre-tax earnings in 2012. The 2012 effective tax rate of 30.8% was comparable with the 2011 effective tax rate of 30.4%. The income tax expense recorded in 2010 was only $80,000 due to the sharply lower pre-tax earnings that year. BOLI is the Company&#146;s largest source of tax-free earnings. The Company&#146;s deferred tax asset was $11.5 million at December 31, 2012 and relates primarily to net operating loss carryforwards and the allowance for loan losses.
The deferred tax asset declined by $1.2 million in 2012 primarily due to the utilization of net operating loss carryforwards. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>SEGMENT RESULTS... </B>Retail banking&#146;s net income contribution was $3.2 million in 2012 compared to $2.1 million in 2011 and $1.3 million in 2010. The improved performance in 2012 is due to increased non-interest income and net interest income, along with reduced non-interest expense. The improved non-interest income reflects increased residential mortgage banking related revenues resulting from the record mortgage production year in 2012. Net interest income grew due to the growth in deposits along with a lower interest cost for deposits. The favorable decline in non-interest expense is largely due to the previously
discussed $897,000 decrease in FDIC deposit insurance expense in 2012. The increased net income in 2011 was due to increased net interest income resulting from a combination of increased deposit balances and lower deposit costs. Net income also benefitted from a $263,000 negative provision for loan losses and a $436,000 reduction in non-interest expense due to reduced staffing within the branch network and lower FDIC insurance expense. Non-interest income was lower between years as decreased gains on residential mortgage loan sales into the secondary market were compounded by lower BOLI income. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The commercial banking segment reported net income of $4.7 million in 2012 compared to net income of $6.9 million in 2011 and $497,000 in 2010. Sustained improvements in asset quality continued to result in a credit provision for loan losses in 2012 but at a lesser level than 2011. Overall, there has been $2.7 million less earnings benefit from negative loan loss provisions in this segment in 2012. Non-interest expense in this segment was also negatively impacted by higher personnel expense and the costs associated with opening three new loan production offices. These negative factors were partially offset by a $639,000
increase in net interest income due to growth in commercial loans in 2012. The increased earnings in 2011 were caused primarily by an $8.3 million reduction in the provision for loan losses due to the previously discussed improvements in asset quality. Net interest income also benefited from funding charges decreasing at a faster rate than certain commercial real estate loan yields. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The trust segment&#146;s net income contribution was $945,000 in 2012 compared to $795,000 in 2011 and $222,000 in 2010. The increase in net income was caused by a $502,000 increase in revenue as our wealth management businesses benefitted from the implementation of new fee schedules and higher asset values (both bond and equity) in 2012. Additionally, revenue generated from the financial services division (annuity and mutual fund sales) increased by $162,000 due to successful new business development efforts. These revenue increases more than offset a $269,000 increase in non-interest expense due primarily to higher personnel
costs. The increase in net income in 2011 reflected higher non-interest revenue as our wealth management businesses benefitted from the implementation of new fee schedules. Also, the rate of non-interest expense growth was limited to 1.7% in 2011. Overall, the fair market value of trust assets totaled $1.512 billion at December 31, 2012, an increase of $129.6 million, or 9.4%, from the December 31, 2011 total of $1.383 billion. </P>

</DIV>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment/parent segment reported a net loss of $3.7 million in 2012 compared to net loss of $3.3 million in 2011 and $699,000 in 2010. Declining yields in the investment securities portfolio and the flatter yield curve have negatively impacted this segment the most in 2012. Also, this segment was also negatively affected by the decline in the size of the securities portfolio during 2012. The weaker performance in 2011 reflects the previously mentioned $358,000 loss realized on the sale of $17 million of investment securities to position the portfolio for better future earnings. Non-interest expense in 2011 also included
a $240,000 prepayment penalty realized on the early retirement of $5.7 million of FHLB term advances. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For greater discussion on the future strategic direction of the Company&#146;s key business segments, see &#147;Management&#146;s Discussion and Analysis-Forward Looking Statements.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>BALANCE SHEET... </B>The Company&#146;s total consolidated assets of $1.0 billion at December 31, 2012 grew by $22 million or 2.2% from the $979 million level at December 31, 2011. Investment security balances decreased by $30 million demonstrating the Company&#146;s ability to generate liquidity to grow the loan portfolio. The Company&#146;s loan portfolio grew by $57.4 million or 8.7% and now totals $721 million. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied commercial real estate loans which
qualify as SBLF loans, particularly through its new loan production offices. Cash and cash equivalents declined by $8.0 million as these funds were also used to fund loan demand. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s deposits totaled $836 million at December 31, 2012, which was $19.3 million or 2.4% higher than December 31, 2011, due to an increase in both non-interest demand deposits and money market account balances. We believe that uncertainties in the financial markets and the economy have contributed to a fourth consecutive year of growth in our deposits as consumers have looked for safety in well capitalized community banks like AmeriServ Financial Bank. FHLB advances increased by $7 million as the Company elected to match fund some of the previously mentioned loan growth. Total FHLB borrowings, however, only
represent 2.8% of total assets. Total stockholders&#146; equity has decreased by $1.9 million since year-end 2011 mainly due to the success of the Company&#146;s common stock repurchase program and an increase in accumulated other comprehensive loss due to a negative adjustment related to the Company&#146;s defined benefit pension plan. During 2012, the Company repurchased 1,758,000 shares or 8.4% of its outstanding common stock at an average price of $2.51. This was a key factor contributing to a 6.6% growth in tangible book value per share to $4.01 since the end of 2011. Even after this large common stock repurchase, the Company continues to be considered well capitalized for regulatory purposes with a risk based capital ratio of 15.92% and an asset leverage ratio of 11.44% at December 31, 2012. The Company&#146;s book value per common share was $4.67 and its tangible common equity to tangible assets ratio was 7.78% at December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LIQUIDITY...</B> The Company&#146;s liquidity position has been strong during the last several years. Our core retail deposit base has grown over the past three years and has been more than adequate to fund the Company&#146;s operations. Cash flow from maturities, prepayments and amortization of securities was used to either fund loan growth (2012), paydown borrowings (2010) or reinvested back into the investment securities portfolio (2011). We strive to operate our loan to deposit ratio in a range of 85% to 95%. At December 31, 2012, the Company&#146;s loan to deposit ratio was 86.3%. We are hopeful that we can further
increase the loan to deposit ratio in 2013 given good commercial loan pipelines, the opening of three new loan production offices in 2012, and our focus on small business lending given our goal of maintaining the lowest rate possible on the SBLF preferred stock. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity can also be analyzed by utilizing the Consolidated Statement of Cash Flows. Cash and cash equivalents decreased by $8.0 million from December 31, 2011, to December 31, 2012, due to $32.2 million of cash used by investing activities. This was partially offset by $21.0 million of cash provided by financing activities and $3.2 million of cash provided by operating activities. Within investing activities, cash provided from maturities and sales of investment securities exceeded purchases by $30.1 million. Cash advanced for new loan fundings and purchases totalled $250.5 million and was $59.7 million higher than the
$190.7 million of cash received from loan principal payments and sales. Within financing activities, deposits increased by $19.3 million, which was used to help fund the overall loan growth experienced in 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The holding company had a total of $16.7 million of cash, short-term investments, and securities at December 31, 2012, which was up $900,000 from the year-end 2011 total. Additionally, dividend payments </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">26</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">from our subsidiaries can also provide ongoing cash to the holding company. At December 31, 2012, our subsidiary bank had $5.1 million of cash available for immediate dividends to the holding company under the applicable regulatory formulas. As such, the holding company has strong liquidity to meet its trust preferred debt service requirements and preferred stock dividends, which should approximate $1.3 million over the next twelve months. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Financial institutions must maintain liquidity to meet day-to-day requirements of depositors and borrowers, take advantage of market opportunities, and provide a cushion against unforeseen needs. Liquidity needs can be met by either reducing assets or increasing liabilities. Sources of asset liquidity are provided by short-term investment securities, time deposits with banks, federal funds sold, and short-term investments in money market funds. These assets totaled $30 million at both December 31, 2012 and 2011, respectively. Maturing and repaying loans, as well as the monthly cash flow associated with mortgage-backed
securities and security maturities are other significant sources of asset liquidity for the Company. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liability liquidity can be met by attracting deposits with competitive rates, using repurchase agreements, buying federal funds, or utilizing the facilities of the Federal Reserve or the Federal Home Loan Bank systems. The Company utilizes a variety of these methods of liability liquidity. Additionally, the Company&#146;s subsidiary bank is a member of the Federal Home Loan Bank, which provides the opportunity to obtain short- to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate. At December 31, 2012, the Company had $307 million of overnight
borrowing availability at the FHLB, $42 million of short-term borrowing availability at the Federal Reserve Bank and $39 million of unsecured federal funds lines with correspondent banks. The Company believes it has ample liquidity available to fund outstanding loan commitments if they were fully drawn upon. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CAPITAL RESOURCES... </B>The Company meaningfully exceeds all regulatory capital ratios for each of the periods presented and is considered well capitalized. The asset leverage ratio was 11.44% and the risk based capital ratio was 15.92% at December 31, 2012. The Company&#146;s tangible common equity to tangible assets ratio was 7.78% at December 31, 2012. Since the common stock repurchase program began in the fourth quarter of 2011, we repurchased 2,045,000 shares or 9.6% of our common stock at a total cost of $5.0 million or an average price of $2.44 per share. The previously announced board approved common stock
repurchase program is now completed. We anticipate that we will maintain our strong capital ratios throughout 2013. Capital generated from earnings will be utilized to pay the SBLF preferred dividend and support anticipated balance sheet growth. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INTEREST RATE SENSITIVITY...</B> Asset/liability management involves managing the risks associated with changing interest rates and the resulting impact on the Company&#146;s net interest income, net income and capital. The management and measurement of interest rate risk at the Company is performed by using the following tools: 1) simulation modeling, which analyzes the impact of interest rate changes on net interest income, net income and capital levels over specific future time periods. The simulation modeling forecasts earnings under a variety of scenarios that incorporate changes in the absolute level of interest
rates, the shape of the yield curve, prepayments and changes in the volumes and rates of various loan and deposit categories. The simulation modeling incorporates assumptions about reinvestment and the repricing characteristics of certain assets and liabilities without stated contractual maturities; 2) market value of portfolio equity sensitivity analysis, and 3) static GAP analysis, which analyzes the extent to which interest rate sensitive assets and interest rate sensitive liabilities are matched at specific points in time. The overall interest rate risk position and strategies are reviewed by senior management and the Company&#146;s Board of Directors on an ongoing basis. </P>

</DIV>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents a summary of the Company&#146;s static GAP positions at December 31, 2012: </P>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY PERIOD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>3 MONTHS OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 3 MONTHS THROUGH 6 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 6 MONTHS THROUGH 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>214,815</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>73,043</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>111,385</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>332,498</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,913</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100,570</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>165,261</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,012</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,012</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,179</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,304</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>250,867</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>87,956</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>174,516</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>435,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>948,532</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>156,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>156,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NOW</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,487</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57,287</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61,774</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>175,712</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,158</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>215,870</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,528</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>64,607</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>86,135</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,235</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,867</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>71,285</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>38,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>41,100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>129,395</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>280,393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>277,247</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>54,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>48,939</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>455,068</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>835,734</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>26,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>41,745</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>292,907</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>54,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>48,939</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>481,153</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>877,479</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY GAP:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interval</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(42,040)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,476</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>125,577</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(45,960)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Cumulative</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(42,040)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(8,564)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>117,013</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>71,053</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>71,053</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Period GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.86X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.61X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.57X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.90X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.86</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.98</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.30</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.08</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of cumulative GAP to total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4.20)%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(0.86)%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.69%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7.10%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When December 31, 2012 is compared to December 31, 2011, there has been limited change in the Company&#146;s modestly positive cumulative GAP ratio through one year. This reflects the expected continued strong cash flow from short duration mortgage backed securities and ongoing loan pay-offs. The absolute low level of interest rates makes this table more difficult to analyze since there is little room for certain deposit liabilities to reprice downward further. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management places primary emphasis on simulation modeling to manage and measure interest rate risk. The Company&#146;s asset/liability management policy seeks to limit net interest income variability over the first twelve months of the forecast period to +/-7.5%, which include interest rate movements of 200 basis points. Additionally, the Company also uses market value sensitivity measures to further evaluate the balance sheet exposure to changes in interest rates. The Company monitors the trends in market value of portfolio equity sensitivity analysis on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents an analysis of the sensitivity inherent in the Company&#146;s net interest income and market value of portfolio equity. The interest rate scenarios in the table compare the Company&#146;s base forecast, which was prepared using a flat interest rate scenario, to scenarios that reflect immediate interest rate changes of 100 and 200 basis points. Note that we suspended the 200 basis point downward rate shock since it has little value due to the absolute low level of interest rates. Each rate scenario contains unique prepayment and repricing assumptions that are applied to the Company&#146;s existing
balance sheet that was developed under the flat interest rate scenario. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">28</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="429"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST RATE SCENARIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>VARIABILITY OF NET INTEREST INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHANGE IN MARKET VALUE OF PORTFOLIO EQUITY</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>200 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.8%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>31.4%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18.8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp decrease</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3.5)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12.1)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The variability of net interest income is negative in the 100 basis point downward rate scenario as the Company has more exposure to assets repricing downward to a greater extent than liabilities due to the absolute low level of interest rates with the fed funds rate currently at 0.25%. The variability of net interest income is positive in the upward rate shocks due to the Company&#146;s short duration investment securities portfolio and scheduled repricing of certain loans now tied to LIBOR or prime. Also, the Company expects that it will not have to reprice its core deposit accounts up as quickly when interest rates rise.
The market value of portfolio equity increases in the upward rate shocks due to the improved value of the Company&#146;s core deposit base. Negative variability of market value of portfolio equity occurs in the downward rate shock due to a reduced value for core deposits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Within the investment portfolio at December 31, 2012, 92% of the portfolio is classified as available for sale and 8% as held to maturity. The available for sale classification provides management with greater flexibility to manage the securities portfolio to better achieve overall balance sheet rate sensitivity goals and provide liquidity if needed. The mark to market of the available for sale securities does inject more volatility in the book value of equity, but has no impact on regulatory capital. There are 13 securities that are temporarily impaired at December 31, 2012. The Company reviews its securities quarterly and
has asserted that at December 31, 2012, the impaired value of securities represents temporary declines due to movements in interest rates and the Company does have the ability and intent to hold those securities to maturity or to allow a market recovery. Furthermore, it is the Company&#146;s intent to manage its long-term interest rate risk by continuing to sell newly originated fixed-rate 30-year mortgage loans into the secondary market (excluding construction and any jumbo loans). The Company also sells 15-year fixed-rate mortgage loans into the secondary market as well, depending on market conditions. For the year 2012, 65% of all residential mortgage loan production was sold into the secondary market. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The amount of loans outstanding by category as of December 31, 2012, which are due in (i) one year or less, (ii) more than one year through five years, and (iii) over five years, are shown in the following table. Loan balances are also categorized according to their sensitivity to changes in interest rates. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE YEAR OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MORE THAN ONE YEAR THROUGH FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,683</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>60,016</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22,123</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,418</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>154,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>202,964</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>383,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>69,528</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>76,294</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>82,338</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>228,160</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,717</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,414</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,420</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>122,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>298,556</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>310,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans with fixed-rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>81,854</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>179,767</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>140,956</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>402,577</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Loans with floating-rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,492</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>118,789</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>169,883</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>329,164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>122,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>298,556</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>310,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>731,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Percent composition of maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16.7%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40.8%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42.5%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fixed-rate loans as a percentage of total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>55.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Floating-rate loans as a percentage of total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>45.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">29</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan maturity information is based upon original loan terms and is not adjusted for principal paydowns and rollovers. In the ordinary course of business, loans maturing within one year may be renewed, in whole or in part, as to principal amount at interest rates prevailing at the date of renewal. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CONTRACTUAL OBLIGATIONS...</B> The following table presents, as of December 31, 2012, significant fixed and determinable contractual obligations to third parties by payment date. Further discussion of the nature of each obligation is included in the referenced note to the consolidated financial statements. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="154"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>PAYMENTS DUE IN</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTE REFERENCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE YEAR OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE TO THREE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>THREE TO FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits without a stated maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>181,838</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>74,807</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22,210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>329,706</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Borrowed funds*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,713</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,105</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>28,818</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>27,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>27,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Lease commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,975</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,736</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Includes interest based upon interest rates in effect at December 31, 2012. Future changes in market interest rates could materially affect contractual amounts to be paid. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>OFF BALANCE SHEET ARRANGEMENTS...</B> The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual
amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. The Company had various outstanding commitments to extend credit approximating $132.8 million and standby letters of credit of $11.4 million as of December 31, 2012. The Company can also use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. As of December 31, 2012, the Company had $18 million in interest rate swaps outstanding. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CRITICAL ACCOUNTING POLICIES AND ESTIMATES...</B> The accounting and reporting policies of the Company are in accordance with Generally Accepted Accounting Principles and conform to general practices within the banking industry. Accounting and reporting policies for the allowance for loan losses, goodwill, income taxes, and investment securities are deemed critical because they involve the use of estimates and require significant management judgments. Application of assumptions different than those used by the Company could result in material changes in the Company&#146;s financial position or results of operation. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Allowance for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Allowance for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision (Credit) for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses is calculated with the objective of maintaining reserve levels believed by management to be sufficient to absorb estimated probable credit losses. Management&#146;s determination of the adequacy of the allowance is based on periodic evaluations of the credit portfolio and other relevant factors. However, this quarterly evaluation is inherently subjective as it requires material estimates, including, among others, likelihood of customer default, loss given default, exposure at default, the amounts and timing of </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">30</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">expected future cash flows on impaired loans, value of collateral, estimated losses on consumer loans and residential mortgages, and general amounts for historical loss experience. This process also considers economic conditions, uncertainties in estimating losses and inherent risks in the various credit portfolios. All of these factors may be susceptible to significant change. Also, the allocation of the allowance for credit losses to specific loan pools is based on historical loss trends and management&#146;s judgment concerning those trends. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial and commercial real estate loans are the largest category of credits and the most sensitive to changes in assumptions and judgments underlying the determination of the allowance for loan loss. Approximately $10.4 million, or 83%, of the total allowance for loan losses at December 31, 2012 has been allocated to these two loan categories. This allocation also considers other relevant factors such as actual versus estimated losses, economic trends, delinquencies, levels of non-performing and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results,
effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. To the extent actual outcomes differ from management estimates, additional provision for credit losses may be required that would adversely impact earnings in future periods. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Goodwill impairment </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company considers our accounting policies related to goodwill to be critical because the assumptions or judgment used in determining the fair value of assets and liabilities acquired in past acquisitions are subjective and complex. As a result, changes in these assumptions or judgment could have a significant impact on our financial condition or results of operations. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of acquired assets and liabilities, including the resulting goodwill, was based either on quoted market prices or provided by other third party sources, when available. When third party information was not available, estimates were made in good faith by management primarily through the use of internal cash flow modeling techniques. The assumptions that were used in the cash flow modeling were subjective and are susceptible to significant changes. The Company routinely utilizes the services of an independent third party that is regarded within the banking industry as an expert in valuing core deposits to monitor
the ongoing value and changes in the Company&#146;s core deposit base. These core deposit valuation updates are based upon specific data provided from statistical analysis of the Company&#146;s own deposit behavior to estimate the duration of these non-maturity deposits combined with market interest rates and other economic factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company&#146;s goodwill relates to value inherent in the banking and wealth management businesses, and the value is dependent upon the Company&#146;s ability to provide quality, cost-effective services in the face of free competition from other market participants on a regional basis. This ability relies upon continuing investments in processing systems, the development of value-added service features and the ease of use of the Company&#146;s services. As such, goodwill value is
supported ultimately by revenue that is driven by the volume of business transacted and the loyalty of the Company&#146;s deposit and customer base over a longer time frame. The quality and value of a Company&#146;s assets is also an important factor to consider when performing goodwill impairment testing. A decline in earnings as a result of a lack of growth or the inability to deliver cost-effective value added services over sustained periods can lead to impairment of goodwill. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill which has an indefinite useful life is tested for impairment at least annually and written down and charged to results of operations only in periods in which the recorded value is more than the estimated fair value. As of December 31, 2012, goodwill was not considered impaired; however, deteriorating economic conditions could result in impairment, which could adversely affect earnings in future periods. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">31</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Income Taxes </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Net Deferred Tax Asset </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision for Income Taxes </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The provision for income taxes is the sum of income taxes both currently payable and deferred. The changes in deferred tax assets and liabilities are determined based upon the changes in differences between the basis of assets and liabilities for financial reporting purposes and the basis of assets and liabilities as measured by the enacted tax rates that management estimates will be in effect when the differences reverse. This income tax review is completed on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In relation to recording the provision for income taxes, management must estimate the future tax rates applicable to the reversal of tax differences, make certain assumptions regarding whether tax differences are permanent or temporary and the related timing of the expected reversal. Also, estimates are made as to whether taxable operating income in future periods will be sufficient to fully recognize any gross deferred tax assets. If recovery is not likely, we must increase our provision for taxes by recording a valuation allowance against the deferred tax assets that we estimate will not ultimately be recoverable.
Alternatively, we may make estimates about the potential usage of deferred tax assets that decrease our valuation allowances. As of December 31, 2012, we believe that all of the deferred tax assets recorded on our balance sheet will ultimately be recovered and that no valuation allowances were needed. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, the calculation of our tax liabilities involves dealing with uncertainties in the application of complex tax regulations. We recognize liabilities for anticipated tax audit issues based on our estimate of whether, and the extent to which, additional taxes will be due. If we ultimately determine that payment of these amounts is unnecessary, we reverse the liability and recognize a tax benefit during the period in which we determine that the liability is no longer necessary. We record an additional charge in our provision for taxes in the period in which we determine that the recorded tax liability is less than we
expect the ultimate assessment to be. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Investment Securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Investment Securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Net realized gains (losses) on investment securities </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statements of Operations. At December
31, 2012, the unrealized losses in the available-for-sale security portfolio were comprised of securities issued by government agencies or government sponsored agencies and certain high quality corporate securities. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">32</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORWARD LOOKING STATEMENTS... </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">THE STRATEGIC FOCUS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The challenge for the future is to improve earnings performance to peer levels through a disciplined focus on community banking and improving the profitability of our Trust Company. In accordance with our strategic plan, AmeriServ will maintain its focus as a community bank delivering banking and trust services to the best of our ability and focus on further growing revenues by leveraging our strong capital base and infrastructure. This Company will not succumb to the lure of quick fixes and fancy financial gimmicks. It is our plan to continue to build AmeriServ into a potent banking force in this region and in this industry.
Our focus encompasses the following: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Customer Service&nbsp;&#151;&nbsp;it is the existing and prospective customer that AmeriServ must satisfy. This means good products and fair prices. But it also means quick response time and professional competence. It means speedy problem resolution and a minimizing of bureaucratic frustrations. AmeriServ is training and motivating its staff to meet these standards while providing customers with more banking options that involve leading technologies such as computers, smartphones, and tablets to conduct business. </TD>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Revenue Growth&nbsp;&#151;&nbsp;It is necessary for AmeriServ to focus on growing revenues. This means loan growth, deposit growth and fee growth. It also means close coordination between all customer service areas so as many revenue producing products as possible can be presented to existing and prospective customers. The Company&#146;s Strategic Plan contains action plans in each of these areas particularly on increasing loans through the opening of several loan production offices. There will be a particular focus on small business commercial lending so that we can maintain the interest rate paid on our SBLF preferred stock at its lowest possible level. An examination of the peer bank database provides ample proof that a well executed community banking business model can generate a reliable and rewarding revenue stream. </TD>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">Expense Rationalization&nbsp;&#151;&nbsp;AmeriServ Financial remains focused on trying to rationalize expenses. This has not been a program of broad based cuts, but has been targeted so AmeriServ stays strong but spends less. However, this initiative takes on new importance because it is critical to be certain that future expenditures are directed to areas that are playing a positive role in the drive to improve revenues. </TD>

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</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This Form 10-K contains various forward-looking statements and includes assumptions concerning the Company&#146;s beliefs, plans, objectives, goals, expectations, anticipations, estimates, intentions, operations, future results, and prospects, including statements that include the words &#147;may,&#148; &#147;could,&#148; &#147;should,&#148; &#147;would,&#148; &#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;intend,&#148; &#147;plan&#148; or similar expressions. These forward-looking statements are based upon current expectations, are subject to risk and uncertainties and are
applicable only as of the dates of such statements. Forward-looking statements involve risks, uncertainties and assumptions. Although we do not make forward-looking statements unless we believe we have a reasonable basis for doing so, we cannot guarantee their accuracy. You should not put undue reliance on any forward-looking statements. These statements speak only as of the date of this Form 10-K, even if subsequently made available on our website or otherwise, and we undertake no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this Form 10-K. In connection with the &#147;safe harbor&#148; provisions of the Private Securities Litigation Reform Act of 1995, the Company provides the following cautionary statement identifying important factors (some of which are beyond the Company&#146;s control) which could cause the actual results or events to differ materially from those set forth in or implied by the forward-looking
statements and related assumptions. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Such factors include the following: (i) the effect of changing regional and national economic conditions; (ii) the effects of trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; (iii) significant changes in interest rates and prepayment speeds; (iv) inflation, stock and bond market, and monetary fluctuations; (v) credit risks of commercial, real estate, consumer, and other lending activities; (vi) changes in federal and state banking and financial services laws and regulations; (vii) the presence in the Company&#146;s market area of competitors
with greater financial resources than the Company; (viii) the timely development of competitive new products and services by the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">33</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Company and the acceptance of those products and services by customers and regulators (when required); (ix) the willingness of customers to substitute competitors&#146; products and services for those of the Company and vice versa; (x) changes in consumer spending and savings habits; (xi) unanticipated regulatory or judicial proceedings; and (xii) other external developments which could materially impact the Company&#146;s operational and financial performance. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The foregoing list of important factors is not exclusive, and neither such list nor any forward-looking statement takes into account the impact that any future acquisition may have on the Company and on any such forward-looking statement. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tQQDM"></a>ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, including interest rate, credit, and liquidity risk. The Company controls and monitors these risks with policies, procedures, and various levels of managerial and Board oversight. The Company&#146;s objective is to optimize profitability while managing and controlling risk within Board approved policy limits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets, liabilities, and hedges. The Company uses its asset liability management policy and hedging policy to control and manage interest rate risk. For information regarding the effect of changing interest rates on the Company&#146;s net interest income and market value of its investment portfolio, see &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as, the obligations to depositors, debtholders and to fund operating expenses. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. See &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Liquidity.&#148; </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the allowance for loan losses to control and manage credit risk. The Company&#146;s investment policy and hedging policy strictly limit the amount of credit risk that may be assumed in the investment portfolio and
through hedging activities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For information regarding the market risk of the Company&#146;s financial instruments, see &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; The Company&#146;s principal market risk exposure is to interest rates. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">34</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tFSSD"></a>ITEM 8. CONSOLIDATED FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCBS"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED BALANCE SHEETS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from depository institutions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,808</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,730</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,716</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,282</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Held to maturity (fair value $14,266 at December 31, 2012 and $12,914 at December 31, 2011)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,576</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>721,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>664,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>637</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>452</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>708,594</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>649,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,798</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,674</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,351</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,179</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,891</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Reserve Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prepaid federal deposit insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,444</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,940</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,501</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,000,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>156,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>679,511</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>674,438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>835,734</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>816,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>41,745</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,454</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>890,523</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>866,724</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2012 and 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,398,540 shares issued and 19,164,721 shares outstanding on December 31, 2012; 26,397,040 shares issued and 20,921,021 shares outstanding on December 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Treasury stock at cost, 7,233,819 shares on December 31, 2012 and 5,476,019 shares on December 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(73,658)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(69,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Capital surplus</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,061</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Retained earnings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accumulated other comprehensive loss, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(5,379)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>110,468</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,000,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">35</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCSO"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF OPERATIONS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest and fees on loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34,752</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,020</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>63</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,634</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,837</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,281</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>440</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>433</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>39,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>44,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,502</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,714</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net Interest Income after Provision (Credit) for Loan Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>32,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35,858</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>27,092</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,527</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment advisory fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>754</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,132</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>958</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized gains (losses) on investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service charges on deposit accounts</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,195</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>863</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,227</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,473</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,062</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,057</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,943</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,424</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net occupancy expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,800</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equipment expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,764</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,680</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Professional fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,870</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Supplies, postage, and freight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>830</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>886</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>997</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Miscellaneous taxes and insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,439</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,372</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,396</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal deposit insurance expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>441</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank prepayment penalties</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,073</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,641</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,697 </TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">36</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PRETAX INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>828</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 4,211</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,685</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,184</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,747</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">37</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCSCI"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,03</B>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss), before tax:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation change for defined benefit plan</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,128)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,031</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>725</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized holding gains (losses) on available for sale securities arising during period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(466)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>158</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reclassification adjustment for losses (gains) on available for sale securities included in net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,719)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,320</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,739</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">38</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCSCS"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS&#146; EQUITY </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PREFERRED STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 20,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 20,558</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>111</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMMON STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>TREASURY STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(69,241)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(68,659</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(68,659</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Treasury stock, purchased at cost (1,757,800 and 287,400 shares, respectively)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(4,417)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(73,658)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(69,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(68,659</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CAPITAL SURPLUS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,061</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,045</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>New common shares issued for exercise of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock option expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Restricted stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>145,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,061</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,045</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RETAINED EARNINGS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,928</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchase (1,312,500 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(111</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash dividend declared on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(828)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>23,139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED OTHER COMPREHENSIVE LOSS, NET<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,660)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,373</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,719)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(5,379)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>110,468</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>107,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">39</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCSCF"></a>AMERISERV FINANCIAL, INC.<BR> CONSOLIDATED STATEMENTS OF CASH FLOWS </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustments to reconcile net income to net cash provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Depreciation and amortization expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,523</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net amortization of investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,124</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized (gains) losses on investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,132)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(958</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of deferred loan fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(240)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(407</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Origination of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(76,688)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(58,640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(71,643</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Sales of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>74,354</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,986</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease (increase) in accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(440)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,018</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings on bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(863)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,032</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deferred income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,101</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,758</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in prepaid Federal Deposit Insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>370</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,446)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by operating activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,212</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,794</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,730</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(34,199)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(97,789</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4,987)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;available<BR> for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>59,800</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,483</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,518</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,914</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sales of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,221</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from redemption of regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,712</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Long-term loans originated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(232,685)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(147,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(82,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal collected on long-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>182,245</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,356</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans purchased or participated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(17,492)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,845</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans sold or participated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in other short-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(300)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(134</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,647)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,666</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sale of other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>160</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>743</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from insurance policies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>451</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash (used in) provided by investing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(32,154)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(14,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,351</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in deposit balances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,329</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,277</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (decrease) increase in other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(105)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,215</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(21,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal borrowings on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal repayments on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(14,000)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(50,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock dividend paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(828)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(4,417)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by (used in) financing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>20,979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,726</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(22,052</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(7,963)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,971</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>34,783</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,308</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">40</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tNCFS"></a>BUSINESS AND NATURE OF OPERATIONS: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.5 billion that are not recognized on the Company&#146;s Balance Sheet at December 31, 2012. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRINCIPLES OF CONSOLIDATION: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#146;s most significant estimates are the
allowance for loan losses, goodwill, income taxes and on investment securities. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENT SECURITIES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities are classified at the time of purchase as investment securities held to maturity if it is management&#146;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#146;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#146;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the
securities as part of the Company&#146;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#146; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a
result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">41</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FEDERAL HOME LOAN BANK STOCK: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#146;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will
ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are
received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOAN FEES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS HELD FOR SALE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#146;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PREMISES AND EQUIPMENT: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are
incurred. </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 ($100,000 for loans classified as doubtful or worse) to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans is based on careful analysis of the loan&#146;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan. </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis. </TD>

</TR>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#146;s three-year historical average of actual loan net charge-offs experienced in each of those categories. </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. </TD>

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</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: justify">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances. </TD>

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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. </P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated 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. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the
unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TRUST FEES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Trust fees are recorded on the cash basis which approximates the accrual basis for such income. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BANK-OWNED LIFE INSURANCE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTANGIBLE ASSETS: </H5>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#146;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EARNINGS PER COMMON SHARE: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 49,842, 185,917, and 1,467,142 shares of common stock were outstanding during 2012, 2011 and 2010, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and
warrant to purchase common stock outstanding were $2.80&nbsp;&#150;&nbsp;$5.75, $2.07&nbsp;&#150;&nbsp;$6.10, and $1.73&nbsp;&#150;&nbsp;$6.10 during 2012, 2011 and 2010, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. </P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Twelve months ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(In thousands, except per share data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Numerator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>828</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 4,211</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Denominator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (basic)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,685</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,184</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Effect of stock options/warrants</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>62</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (diluted)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,747</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Earnings per common share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STOCK-BASED COMPENSATION: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $38,000, $15,000 and $18,000 of pretax compensation expense for the year 2012, 2011 and 2010. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model with the following assumptions used for the grants: risk-free interest rates ranging from 1.66% to 3.83%; expected lives of 10 years; expected volatility ranging from 33.26% to 35.77% and expected dividend yields of 0%. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCUMULATED OTHER COMPREHENSIVE LOSS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the components of accumulated other comprehensive loss, net of tax: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation for defined benefit plan</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(9,520</B>)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Unrealized holding gains on available for sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,141</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total accumulated other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(5,379)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED STATEMENT OF CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $142,000 in income tax payments in 2012; $97,000 in 2011; and $174,000 in 2010. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $1,266,000 in 2012; $169,000 in 2011; and $788,000 in 2010. The Company made total interest payments of $8,154,000 in 2012; $10,699,000 in 2011; and $13,084,000 in 2010. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">45</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME TAXES: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTEREST RATE CONTRACTS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &#147;Other Comprehensive Income,&#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge
ineffectiveness would be recognized in the income statement line item pertaining to the hedged item. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company typically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RECENT ACCOUNTING STANDARDS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In July, 2012, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2012-02, <I>Intangibles&nbsp;&#151;&nbsp;Goodwill and Other (Topic 350)&nbsp;&#151;&nbsp;Testing Indefinite-Lived Intangible Assets for Impairment</I>. ASU 2012-02 give entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an
indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If, under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012 (early adoption permitted). This ASU did not have a significant impact on the Company&#146;s financial statements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In February 2013, the FASB issued ASU 2013-02, <I>Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income</I>. The amendments in this Update require an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same
reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. Early adoption is permitted. The Company is currently evaluating the impact that these disclosures will have on its financial statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">46</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;CASH AND DUE FROM DEPOSITORY INSTITUTIONS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Included in &#147;Cash and due from depository institutions&#148; are required federal reserves of $0 and $150,000 at December 31, 2012 and 2011, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The cost basis and fair values of investment securities are summarized as follows: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 5,848</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> (7)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 5,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(103)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>131,425</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,320</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(10)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>137,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>145,265</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 6,393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (120)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 578</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,896</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>416</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(55</B>)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,954</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (55)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14,266</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>165,484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>172,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>176,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">47</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 643</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 643</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,914</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Maintaining investment quality is a primary objective of the Company&#146;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&#146;s Investors Service or Standard &amp; Poor&#146;s rating of A. At December 31, 2012, 92.2% of the portfolio was rated AAA as compared to 98.4% at December 31, 2011. 1.3% of the portfolio was rated below A or unrated on December 31, 2012. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&#146; equity at
December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $94,206,000 at December 31, 2012 and $83,235,000 at December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company realized $12,000 of gross investment security gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011, and $157,000 of gross investment gains and no investment security losses in 2010. On a net basis, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000, and the realized gain for 2010 was $104,000, after factoring the tax expense of $53,000. <B></B>Proceeds from sales of investment securities available for sale were $4.2 million for
2012, $16.5 million for 2011, and $2.7 million during 2010. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2012. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&#146;s consolidated investment securities portfolio had a modified duration of approximately 1.73 years. The weighted average expected maturity for available for sale securities at December 31, 2012 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate bond
securities was 4.29, 2.81 and 3.92 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2012 for U.S. Agency Mortgage-Backed and Corporate bonds and other securities were 3.10 and 4.88 years. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">48</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="144"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=31>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U. S. AGENCY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY MORTGAGE-<BR>BACKED SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE BONDS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=31><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within<BR> 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,848</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,840</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.73</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,347</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.30</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,347</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>58,603</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>58,603</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>58,475</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.89</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>58,475</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.89</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,848</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.42</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>131,425</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.94</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>145,265</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.91</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within<BR> 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,918</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>993</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,134</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61,404</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61,404</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61,197</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61,197</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>137,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">49</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY MORTGAGE-BACKED SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE BONDS AND OTHER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL INVESTMENT SECURITIES HELD TO MATURITY</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.46%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.46%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.44</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.44</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.92</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.92</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.65</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,313</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.69</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.65</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,405</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.17</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>416</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>416</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,896</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,008</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,904</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,896</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,370</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14,266</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands): </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="161"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>993</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(7)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>993</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(7)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,140</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(8)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>349</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,489</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(10)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,898</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(103)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,898</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(103)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,031</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(118)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 349</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (2)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,380</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(120)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B> (35)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(20)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,946</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B> (55)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>965</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(35)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,981</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(20)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,946</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(55)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">50</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2011 (in thousands): </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,774</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,774</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1> (9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1> (9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 13 positions that are considered temporarily impaired at December 31, 2012. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest
payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;LOANS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>383,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>349,778</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>217,584</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,420</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>721,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan balances at December 31, 2012 and 2011 are net of unearned income of $637,000 and $452,000, respectively. Real estate construction loans comprised 2.0% and 1.9% of total loans net of unearned income at December 31, 2012 and 2011, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2012 and 2011, loans to customers engaged in similar activities and having similar economic characteristics, as defined by
standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&#146;s lending occurs within a 150 mile radius of the Johnstown market. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">51</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;LOANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&#146;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $1.0 million and $612,000 at December 31, 2012 and 2011, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="172"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2012</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 2,365</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> (345)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>438</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 2,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,400</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(796)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>245</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,053)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate- mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,270</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(420)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>54</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>365</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>174</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(200)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>129</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,414</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(654)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (1,761)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 484</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="172"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2011</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,948</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate- mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (2,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An analysis of the changes in the allowance for loan losses follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YEAR ENDED DECEMBER 31,<BR> 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance January 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries on loans previously charged-off</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Loans charged-off</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance December 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">52</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 4,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 4,806</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>378,546</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>217,584</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>716,359</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 383,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>217,584</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 17,420</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 721,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION FOR GENERAL RISK</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 1,586</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> &#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 1,586</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,210</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,985</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 2,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 7,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="152"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>345,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>212,663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>659,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 349,778</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>212,663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION FOR GENERAL RISK</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 968</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 968</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">53</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The segments of the Company&#146;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&#146;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is driven by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful portion of the
commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management evaluates for possible impairment any individual loan in the commercial segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and
interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.</P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; (b) the loan&#146;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependant loans. The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method. The
evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#146;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The need for an updated appraisal on collateral dependent loans is determined on a case by case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&#146;s internal Assigned Risk Department to support the
value of the property. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&#146;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the passage of time; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the volatility of the local market; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the availability of financing; </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">54</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">natural disasters; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the inventory of competing properties; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">environmental contamination. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&#146;s Assigned Risk Department personnel rests
with the Assigned Risk Department and not the originating account officer. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID PRINCIPAL BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,239</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,586</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>554</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,850</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,23</B>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,586</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>567</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,806</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,863</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOREDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID PRINCIPAL BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,836</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>968</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,836</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>968</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">55</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average impaired balance:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>503</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,591</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,754</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,479</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Average investment in impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,770</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income recognized:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Interest income recognized on a cash basis on impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management uses a ten point internal risk rating system to monitor the credit quality of the commercial and commercial real estate portfolios. The first six categories are considered not criticized. The first five &#147;Pass&#148; categories are aggregated, while the Pass 6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the
point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&#146;s commercial relationship
managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&#146;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2012 requires review of a minimum 55% of the commercial loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&#146;s Loan Loss Reserve Committee on a quarterly basis. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">56</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>99,886</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>28</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>343,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>20,836</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,010</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,608</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>383,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>443,771</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>20,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,918</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,608</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>486,161</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80,175</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,186</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>763</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>305,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>28,138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,244</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>330</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>349,778</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>385,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30,324</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>17,007</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>330</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>432,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The
following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="616" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>216,393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,407</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>233,800</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,204</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211,458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>229,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">57</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE AND STILL ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,775</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>379,834</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,545</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,505</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>383,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>213,300</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,240</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>303</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,284</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>217,584</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>49</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,420</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>713,280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,256</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,928</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,701</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>721,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE AND STILL ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>347,671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>650</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,457</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>349,778</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>209,060</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,133</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>841</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,603</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,115</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>657,970</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,840</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,767</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An allowance for loan losses (&#147;ALL&#148;) is maintained to absorb losses from the loan portfolio. The ALL is based on management&#146;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume,
experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&#146;s </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">58</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&#146;s management to establish allocations which accommodate each of the listed risk factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&#147;Pass&#148; rated credits are segregated from &#147;Criticized&#148; and &#147;Classified&#148; credits for the application of qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets). </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning non-performing assets: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,814</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,101</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>127</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>182</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>7,224</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company had no loans past due 90 days or more for the periods presented which were accruing interest. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&#146;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&#146;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&#146;s loan. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">59</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To be considered a TDR, both of the following criteria must be met: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower must be experiencing financial difficulties; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the Bank, for economic or legal reasons related to the borrower&#146;s financial difficulties, grants a concession to the borrower that would not otherwise be considered. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is currently in default on their loan(s); </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower has filed for bankruptcy; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower has insufficient cash flows to service their loan(s); and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate that a concession has been granted include, but are not limited to: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; or </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: justify">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&#146;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Any loan modification where the borrower&#146;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2012 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,772</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>169</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">60</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<BR> RESTRUCTURINGS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2011 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2010 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made an additional six consecutive payments in
accordance with the terms of the loan. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the recorded investment in loans that were classified as TDR&#146;s and defaulted during these reporting periods (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="392"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Twelve months ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><U>Recorded investment of defaults</U><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All TDR&#146;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&#146;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="392"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with original terms</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>628</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">61</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">7.&nbsp;&nbsp;PREMISES AND EQUIPMENT </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An analysis of premises and equipment follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Land</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,208</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,208</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,430</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Furniture and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,572</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Leasehold improvements</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>690</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>516</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total at cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,900</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Accumulated depreciation and amortization</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>22,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,525</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net book value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>11,798</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,674</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded depreciation expense of $1.5 million for each of the years 2012, 2011 and 2010, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of the Company&#146;s deposits: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">2011</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>156,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>141,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61,774</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>62,568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>86,135</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>215,870</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>195,410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>280,393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>289,799</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>835,734</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>816,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest expense on deposits consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">2011</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">2010</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>116</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>153</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>176</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,063</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>435</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>834</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,875</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>6,502</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">62</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2012 maturing in the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER TIME DEPOSITS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150,998</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>27,941</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>29,222</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>795</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,021</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>400</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2018 and after</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>44,907</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>280,393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>35,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2012, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="445"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>MATURING IN:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(IN THOUSANDS)</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Three months or less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,235</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over three through six months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,867</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over six through twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>35,339</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">9.&nbsp;&nbsp;SHORT-TERM BORROWINGS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,755</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>117</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,225</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.34%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.20%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">63</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">9.&nbsp;&nbsp;SHORT-TERM BORROWINGS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,550</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year-end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at the end of 2012 and three days at the end of both 2011 and 2010. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR<BR> SUBORDINATED DEFERRABLE INTEREST DEBENTURES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Borrowings and advances from the FHLB consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Overnight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.25%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.92</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.73</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total FHLB borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>0.47%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>28,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">64</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR<BR> SUBORDINATED DEFERRABLE INTEREST DEBENTURES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Overnight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total FHLB borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to
the FHLB of Pittsburgh to support these borrowings. At December 31, 2012, the Company had immediately available $307 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Guaranteed Junior Subordinated Deferrable Interest Debentures: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $240,000 as of
December 31, 2012 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2012 and 2011 was $13.1 million. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level I:&nbsp;&nbsp;Quoted prices are available in active markets for identical assets or liabilities as of the reported date. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level II:&nbsp;&nbsp;Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level III:&nbsp;&nbsp;Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&#146;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">65</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2012 and 2011, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets and Liability Measured on a Recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets and liability measured at fair value on a recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>137,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>137,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,892</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair
value of $3.2 million. At December 31, 2011, impaired loans with a carrying value of $3.9 million were reduced by specific valuation allowance totaling $968,000 resulting in a net fair value of $2.9 million. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">66</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets Measured on a Non-recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets measured at fair value on a non-recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,220</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,220</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">December 31, 2012 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="133"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="141"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Quantitative Information About Level 3 Fair Value Measurements</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value Estimate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Valuation<BR> Techniques</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unobservable<BR> Input</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,220</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1&#41;</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments<sup>(2&#41;</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to -35&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses<sup>(2&#41;</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to -15&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,228</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1&#41;,(3&#41;</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to -20&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: justify">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(3)</TD>

          <TD STYLE="text-align: justify">Includes qualitative adjustments by management and estimated liquidation expenses. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">67</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&#146;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2012 and 2011, were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>151,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,723</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,266</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,321</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,94</B>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,304</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,304</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,304</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,576</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>708,594</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>716,756</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>716,756</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,960</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,214</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>520,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>315,732</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>320,930</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>320,930</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,442</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,442</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,083</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,083</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,083</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">68</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CARRYING VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,914</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,016</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,016</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>655,357</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>649,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,351</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,351</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>482,859</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>482,859</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>338,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>333,561</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of cash and cash equivalents, regulatory stock, accrued income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period). </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">69</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of total borrowed funds is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&#146;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting. </P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The expense for income taxes is summarized below: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Current</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>140</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,101</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,758</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The reconciliation between the federal statutory tax rate and the Company&#146;s effective consolidated income tax rate is as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax expense based on federal statutory rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,475</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>463</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(315)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4.3)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(32.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1.1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total expense for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>30.8%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">70</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="456"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,274</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,972</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unfunded commitment reserve</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>221</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,626</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,916</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,357</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net operating loss carryforwards</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,883</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Alternative minimum tax credits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,635</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,485</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,923</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment accretion</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(28)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized investment security gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,133)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,295</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(295)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,456)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,579</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>11,467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2012 and 2011, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The change in net deferred tax assets and liabilities consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="461"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains recognized in comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation of the defined benefit plan not yet recognized in income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>725</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,101)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,758</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net decrease</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,214)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,377</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has alternative minimum tax credit carryforwards of approximately $1.6 million at December 31, 2012. These credits have an indefinite carryforward period. The Company also has an $8.5 million net operating loss carryforward that will begin to expire in the year 2025. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being
realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">71</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&#146;s federal and state income tax returns for taxable years through 2008 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION PLANS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&#146;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will
remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company executed this change to help reduce its rising pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $626,000 and is limited to 10% of the plan&#146;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2012. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION BENEFITS: </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit obligation at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,709</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,593</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,234</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,882</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,574)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,546</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefit obligation at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>29,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>25,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN PLAN ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,180</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actual return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Employer contributions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,600</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,574)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,546</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Funded status of the plan&nbsp;&#150;&nbsp;under funded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (8,476)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (7,529</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">72</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amounts recognized in accumulated other comprehensive loss consists of:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(8</B>)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(38)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,315</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,033</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,950</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accumulated benefit obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,662</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,016</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine benefit obligations at December 31, 2012 and 2011 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="434"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salary scale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="380"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPONENTS OF NET PERIODIC BENEFIT COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,593</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,097</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,234</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,186</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,656)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of prior year service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(19)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(17)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,094</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>706</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net periodic pension cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,229</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">73</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="380"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,376</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,094)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(705</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net initial asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in other comprehensive income (loss) before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,318</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,192</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in net benefit cost and other comprehensive income (loss) before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,547</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The estimated net loss, prior service cost and transition asset for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,363,000, $(20,000), and ($8,000), respectively. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2012, 2011 and 2010 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="380"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.75%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate of compensation increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&#146;s historical investment performance over a longer-term period of 15 years combined with the plan&#146;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PLAN ASSETS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The plan&#146;s measurement date is December 31, 2012. This plan&#146;s asset allocations at December 31, 2012 and 2011, by asset category are as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="504"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="32"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="40"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1><FONT STYLE="font-weight: normal"></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7>(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSET CATEGORY:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>63</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">74</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The major categories of assets in the Company&#146;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 1:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,731</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>336</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,566</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,918</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 2:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>21,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include
equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate
40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2012, 2.9% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presently expects that the contribution to be made to the Plan in 2013 will be approximately $2.5 million. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">75</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ESTIMATED FUTURE BENEFIT PAYMENTS: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following benefit payments, which reflect future service, as appropriate, are expected to be paid. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ESTIMATED FUTURE BENEFIT PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1><FONT STYLE="font-weight: normal"></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom;  font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3>(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,142</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,555</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Years 2018&nbsp;&#150;&nbsp;2022</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,347</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">401(k) PLAN: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Contributions by the Company charged to operations were $277,000 and $229,000 for the years ended December 31, 2012 and 2011, respectively. The fair value of plan assets includes $914,000 pertaining to the value of the Company&#146;s common stock and Trust Preferred
securities that are held by the plan at December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15.&nbsp;&nbsp;LEASE COMMITMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s obligation for future minimum lease payments on operating leases at December 31, 2012, is as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FUTURE MINIMUM LEASE PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1><FONT STYLE="font-weight: normal"></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom;  font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3>(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>564</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>556</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>498</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>383</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018 and thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $785,000, $665,000 and $502,000, in 2012, 2011, and 2010, respectively.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16.&nbsp;&nbsp;COMMITMENTS AND CONTINGENT LIABILITIES </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">76</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16.&nbsp;&nbsp;COMMITMENTS AND CONTINGENT LIABILITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#146;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&#146;s commercial loans. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2012, the Company had various outstanding commitments to extend credit approximating $132,804,000 and standby letters of credit of $11,365,000, compared to commitments to extend credit of $124,820,000 and standby letters of credit of $10,991,000 at December 31, 2011. Standby
letters of credit had terms ranging from 1 to 2 years with annual extension options available.<B> </B>Standby letters of credit of approximately $4.2 million were secured as of December 31, 2012 and approximately $5.0 million at December 31, 2011. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $648,000 at December 31, 2012 and $759,000 at December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse
effect on the Company&#146;s consolidated financial position, results of operation or cash flows.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK </H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SBLF: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified
outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">77</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">level of &#147;qualified small business lending&#148; (&#147;QSBL&#148;) by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the &#147;Baseline&#148;) as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="384" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="112"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DIVIDEND PERIOD ANNUALIZED</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=1>ANNUALIZED<BR> DIVIDEND RATE</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BEGINNING</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>ENDING</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>August 11, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">February 7, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 7.0%<sup>&#040;1&#041;</sup></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>February 8, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">Redemption</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">9.0%<sup>&#040;2&#041;</sup></TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: justify">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: justify">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of December 31, 2012, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. This 1% rate will continue at least through the second quarter of 2013. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital
as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the &#147;Tier 1 Dividend Threshold&#148;). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator. </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TARP CPP: </H5>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On October 3, 2008, the Emergency Economic Stabilization Act of 2008 (initially introduced as the Troubled Asset Relief Program or TARP) was enacted. On October 14, 2008, the US Treasury announced its intention to inject capital into financial institutions under the TARP Capital Purchase Program (the CPP). The CPP was a voluntary program designed to provide capital to healthy well managed financial institutions in order to increase the availability of credit to businesses and individuals and help stabilize the US financial system. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 19, 2008, the Company sold to the US Treasury for an aggregate purchase price of $21 million in cash 21,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series D. In conjunction with the purchase of these senior preferred shares, the US Treasury also received a warrant to purchase up to 1,312,500 shares of the Company&#146;s common stock. The warrant had a term of 10 years and was exercisable at any time, in whole or in part, at an exercise price of $2.40 per share. The $21 million in proceeds was allocated to the Series D Preferred Stock and the warrant based on their relative fair values at issuance
(approximately $20.4 million was allocated to the Series D Preferred Stock and approximately $600,000 to the warrant). The difference between the initial value allocated to the Series D Preferred Stock of </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">78</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">approximately $20.4 million and the liquidation value of $21 million was charged to retained earnings over the first five years of the contract. Cumulative dividends on Series D Preferred Stock were payable quarterly at 5% through December 19, 2013 and at a rate of 9% thereafter. The Company redeemed all of the shares of the Series D Preferred Stock on August 11, 2011 and repurchased the warrant from the US Treasury for $825,000 during 2011. As such, the Company has formally concluded its participation in the TARP CPP program.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18.&nbsp;&nbsp;STOCK COMPENSATION PLANS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified perspective method for accounting for stock-based compensation and recognized $38,000 of pretax compensation expense for the year 2012, $15,000 in 2011 and $18,000 in 2010. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Company&#146;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a stock option granted during 2012 may be exercised was not
less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A summary of the status of the Company&#146;s Stock Incentive Plan at December 31, 2012, 2011, and 2010, and changes during the years then ended is presented in the table and narrative following: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="165"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>313,612</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 3.02</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>257,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>293,609</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>164,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.73</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>105,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,500)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Forfeited</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(77,982)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>5.47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(141,363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Outstanding at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>398,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>313,612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>3.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>257,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercisable at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>167,624</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>179,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>118,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average fair value of options granted in current year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A total of 167,624 of the 398,371 options outstanding at December 31, 2012, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.29 and a weighted average remaining contractual life of 6.34 years. All of these options are exercisable. The remaining 230,747 options that are not yet exercisable have exercise prices between $1.53 and $2.80, with a weighted average exercise price of $2.50 and a weighted average remaining contractual life of 8.82 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the
following assumptions used for grants in 2012, 2011, and 2010. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">79</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18.&nbsp;&nbsp;STOCK COMPENSATION PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BLACK-SCHOLES ASSUMPTION RANGES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Risk-free interest rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>1.66&nbsp;&#150;&nbsp;2.28&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>2.19&nbsp;&#150;&nbsp;3.62&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>3.21&nbsp;&#150;&nbsp;3.83&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected lives in years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected volatility</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>33.26&nbsp;&#150;&nbsp;35.77&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>35.03&nbsp;&#150;&nbsp;35.25&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>34.60&nbsp;&#150;&nbsp;35.74&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected dividend rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19.&nbsp;&nbsp;DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s Dividend Reinvestment and Common Stock Purchase Plan (the Purchase Plan) provides each record holder of Common Stock with a simple and convenient method of purchasing additional shares without payment of any brokerage commissions, service charges or other similar expense. A participant in the Purchase Plan may purchase shares of Common Stock by electing either to (1) reinvest dividends on all of his or her shares of Common Stock (if applicable) or (2) make optional cash payments of not less than $10 and up to a maximum of $2,000 per month and continue to receive regular dividend payments on his or her other
shares. A participant may withdraw from the Purchase Plan at any time. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the case of purchases from AmeriServ Financial, Inc. of treasury or newly-issued shares of Common Stock, the average market price is determined by averaging the high and low sale price of the Common Stock as reported on the NASDAQ on the relevant investment date. During 2012, the Company issued no shares and at December 31, 2012 had 3,355 unissued reserved shares available under the Purchase Plan. In the case of purchases of shares of Common Stock on the open market, the average market price will be the weighted average purchase price of shares purchased for the Purchase Plan in the market for the relevant investment
date.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20.&nbsp;&nbsp;INTANGIBLE ASSETS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&#146;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these
segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A reconciliation of the Company&#146;s intangible goodwill balances for 2012 and 2011 is as follows (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="472"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance January 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,950</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Reduction from purchase price adjustment of WCCA</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance December 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">80</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21.&nbsp;&nbsp;DERIVATIVE HEDGING INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To accommodate a customer need and support the Company&#146;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involves the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agrees to pay interest to the customer on a notional amount at a variable interest rate and receive interest
from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agrees to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allows the Company&#146;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and do not significantly impact the Company&#146;s results of operations. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the interest rate swap transactions that impacted the Company&#146;s 2012 performance: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>START DATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MATURITY DATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HEDGE<BR> TYPE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTIONAL AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE RECEIVED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE<BR> PAID</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REPRICING FREQUENCY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INCREASE (DECREASE) IN INTEREST EXPENSE</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>227,088</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="text-align: center; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(227,088)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors.</P>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&#146;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent
business segment. The key performance measure the Company focuses on for each business segment is net income contribution. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">81</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in
construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The contribution of the major business segments to the Consolidated Results of Operations were as follows: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="612" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 20,585</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 14,499</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> (2,916)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 32,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(160)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(615)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,565</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>585</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,78</B>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,943</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>22,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,970</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,387</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>40,641</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,508</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,729</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,432</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,389)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,358</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,044</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>487</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,648)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 3,150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 4,685</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 945</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> (3,741)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 336,241</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 497,331</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 4,429</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 162,990</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,000,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1><FONT STYLE="font-weight: normal"></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 20,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 13,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (1,718</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,470</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,833</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,948</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,936</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,068</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (3,267</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 337,869</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 442,087</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 195,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">82</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 18,940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 12,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,286</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,906</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,463</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,013</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>470</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>333</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,082</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>111</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(383</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> (699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 317,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 455,609</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 172,635</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 948,974</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#146;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&#146;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. 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 the Company&#146;s financial statements. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2012 and 2011, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and
Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&#146;s tangible common equity ratio was 7.78% and 8.15% for 2012 and 2011, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">83</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="176"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY<BR> PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 122,583</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15.92%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 61,588</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 76,985</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>101,786</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13.34</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61,060</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>76,325</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>112,916</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14.67</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,794</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>46,191</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>92,200</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12.08</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,530</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>45,795</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>112,916</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.44</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39,474</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>49,343</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>92,200</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,616</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>48,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="176"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY<BR> PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 120,315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 54,702</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 68,377</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.96</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54,231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>67,789</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,351</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,026</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,673</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets)<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,317</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,498</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46,872</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">84</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations: </P>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEETS </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1><FONT STYLE="font-weight: normal"></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom;  font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7>(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,430</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,534</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>99,121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>103,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debenture issuance costs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>240</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,713</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,604</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 123,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 126,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>257</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,342</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>110,468</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 123,810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 126,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">85</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STATEMENTS OF OPERATIONS </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Inter-entity management and other fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 2,355</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,329</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>710</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>620</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest and dividend income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>306</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>11,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,394</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,333</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,582</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,529</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,071</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,983</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,300</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>872</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>819</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,080)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 3,320</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 7,739</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">86</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STATEMENTS OF CASH FLOWS </H5>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="388"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 5,039</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustment to reconcile net income to net cash provided by (used in) operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,080</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other&nbsp;&#150;&nbsp;net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(989)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(285</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,168</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,077)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,049</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturity of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,809</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Capital contribution to banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH PROVIDED BY INVESTING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>732</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,893</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,006</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4,417)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(828)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH USED IN FINANCING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(5,245)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,655</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(285</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,530</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 6,185</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 4,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&#146;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&#146;s retained net income for the current and preceding two calendar years. At December 31,
2012, our subsidiary Bank had $5.1 million of cash available for immediate dividends to the holding company under the applicable regulatory formulas. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $107,300,000 of restricted surplus and retained earnings at December 31, 2012.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">87</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2012, 2011 AND 2010 </H1>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25.&nbsp;&nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2012 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 9,878</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 10,030</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 9,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 10,124</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,888</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,964</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,082</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,142</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,921</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,058</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>550</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(200)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(500)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(625)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,532</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,342</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,421</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,683</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,887</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,649</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,733</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,674</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,373</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,087</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,067</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,114</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,046</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,904</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,087</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,243</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>311</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>597</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>655</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>678</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,432</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B> 1,565</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.04</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2011 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,492</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,966</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(550</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,175</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,668</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,261</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,486</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,524</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,454</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,359</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,877</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,919</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>720</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">88</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tRIRP"></a>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Shareholders<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited the accompanying consolidated balance sheets of AmeriServ Financial, Inc. and subsidiaries (the &#147;Company&#148;) as of December 31, 2012 and 2011, and the related consolidated statements of operations, comprehensive income, changes in stockholders' equity, and cash flows for each of the three years in the year ended December 31, 2012. These consolidated 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. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">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 audit 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&#146;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. We believe that our audits provide a reasonable basis for our opinion. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2012 and 2011, and the results of their operations and their cash flows for each of the three years in the year ended December 31, 2012, in conformity with U.S. generally accepted accounting principles. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ SR SNODGRASS, A.C.<BR> Wexford, Pennsylvania<BR> March 8, 2013 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">89</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">REPORT ON MANAGEMENT&#146;S ASSESSMENT OF<BR> INTERNAL CONTROL OVER FINANCIAL REPORTING </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. is responsible for the preparation, integrity, and fair presentation of the consolidated financial statements included in this annual report. The consolidated financial statements and notes included in this annual report have been prepared in conformity with United States generally accepted accounting principles and necessarily include some amounts that are based on management&#146;s best estimates and judgments. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We, as management of AmeriServ Financial, Inc., are responsible for establishing and maintaining effective internal control over financial reporting that is designed to produce reliable financial statements in conformity with United States generally accepted accounting principles. The system of internal control over financial reporting as it relates to the financial statements is evaluated for effectiveness by management and tested for reliability through a program of internal audits. Actions are taken to correct potential deficiencies as they are identified. Any system of internal control, no matter how well designed, has
inherent limitations, including the possibility that a control can be circumvented or overridden and misstatements due to error or fraud may occur and not be detected. Also, because of changes in conditions, internal control effectiveness may vary over time. Accordingly, even an effective system of internal control will provide only reasonable assurance with respect to financial statement preparation. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management assessed the Company&#146;s system of internal control over financial reporting as of December 31, 2012, in relation to criteria for effective internal control over financial reporting as described in &#147;Internal Control&nbsp;&#151;&nbsp;Integrated Framework,&#148; issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on this assessment, management concludes that, as of December 31, 2012, its system of internal control over financial reporting is effective and meets the criteria of the &#147;Internal Control&nbsp;&#151;&nbsp;Integrated Framework&#148;. This annual report does not
include an attestation report of the Company&#146;s independent registered public accounting firm regarding internal control over financial reporting. Management&#146;s report was not subject to attestation by the Company&#146;s independent registered public accounting firm pursuant to the rules of the Securities and Exchange Commission that permit the Company to provide only management&#146;s report in this annual report. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ GLENN L. WILSON<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; Chief Executive Officer</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; Chief Financial Officer</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Johnstown, PA<BR> February 21, 2013 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">90</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSMR"></a>STATEMENT OF MANAGEMENT RESPONSIBILITY </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">February 21, 2013 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To the Stockholders and<BR> Board of Directors of<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management of AmeriServ Financial, Inc. and its subsidiaries have prepared the consolidated financial statements and other information in the Annual Report and Form 10-K in accordance with United States generally accepted accounting principles and are responsible for its accuracy. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In meeting its responsibility, management relies on internal accounting and related control systems, which include selection and training of qualified personnel, establishment and communication of accounting and administrative policies and procedures, appropriate segregation of responsibilities, and programs of internal audit. These systems are designed to provide reasonable assurance that financial records are reliable for preparing financial statements and maintaining accountability for assets and that assets are safeguarded against unauthorized use or disposition. Such assurance cannot be absolute because of inherent
limitations in any internal control system. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management also recognizes its responsibility to foster a climate in which Company affairs are conducted with the highest ethical standards. The Company&#146;s Code of Conduct, furnished to each employee and director, addresses the importance of open internal communications, potential conflicts of interest, compliance with applicable laws, including those related to financial disclosure, the confidentiality of proprietary information, and other items. There is an ongoing program to assess compliance with these policies. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Audit Committee of the Company&#146;s Board of Directors consists solely of outside directors. The Audit Committee meets periodically with management and the independent auditors to discuss audit, financial reporting, and related matters. S.R. Snodgrass A.C. and the Company&#146;s internal auditors have direct access to the Audit Committee. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ GLENN L. WILSON<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; Chief Executive Officer</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; Chief Financial Officer</TD>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">91</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCDAA"></a>ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCP"></a>ITEM 9A. CONTROLS AND PROCEDURES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Evaluation of Disclosure Controls and Procedures.</B>&nbsp;&nbsp;As of December 31, 2012, an evaluation was performed under the supervision and with the participation of the Company&#146;s management, including the Chief Executive Officer and Chief Financial Officer, on the effectiveness of the design and operation of the Company&#146;s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934). Based on that evaluation, the Company&#146;s management, including the Chief Executive Officer and Chief Financial Officer, concluded that the Company&#146;s disclosure controls and
procedures were effective as of December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Disclosure controls and procedures are the controls and other procedures that are designed to ensure that the information required to be disclosed by the Company in its reports filed and submitted under the Securities Exchange Act of 1934, as amended (&#147;Exchange Act&#148;), is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission&#146;s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by the Company in its reports filed under the Exchange Act
is accumulated and communicated to the Company&#146;s management, including the principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure. </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Management Report on Internal Control over Financial Reporting.</B>&nbsp;&nbsp;The Company&#146;s management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Rule 13a-15(f) under the Exchange Act. Management&#146;s assessment of internal control over financial reporting for the fiscal year ended December 31, 2012 is included in Item 8. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tOI"></a>ITEM 9B. OTHER INFORMATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART III </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tDEOC"></a>ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section relating to Directors of the Registrant is presented in the &#147;Election of ASRV Directors&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tEC"></a>ITEM 11. EXECUTIVE COMPENSATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Compensation Committee Interlocks and Insider Participation,&#148; &#147;Compensation Discussion and Analysis,&#148; the &#147;Compensation Committee Report,&#148; and &#147;Compensation Paid to Executive Officers&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSOCB"></a>ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Principal Owners&#148; and &#147;Security Ownership of Management&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCRRT"></a>ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Director Independence and Transactions with Related Parties&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tPAFS"></a>ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Independent Registered Accounting Firm&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">92</P>

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<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART IV </H1>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tEFSS"></a>ITEM 15. EXHIBITS AND CONSOLIDATED FINANCIAL STATEMENT SCHEDULES </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS FILED: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements listed below are from this 2012 Form 10-K and Part II&nbsp;&#151;&nbsp;Item 8. Page references are to this Form 10-K. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial, Inc. and Subsidiaries<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

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<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCBS">Consolidated Balance Sheets</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCBS">35</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSO">Consolidated Statements of Operations</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSO">36</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">Consolidated Statements of Comprehensive Income</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">38</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">39</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">40</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">Notes to Consolidated Financial Statements</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">41</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">89</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSMR">Statement of Management Responsibility</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSMR">91</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENT SCHEDULES: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These schedules are not required or are not applicable under Securities and Exchange Commission accounting regulations and therefore have been omitted. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">93</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBITS: </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The exhibits listed below are filed herewith or to other filings. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="346"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>EXHIBIT NUMBER</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>DESCRIPTION</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PRIOR FILING OR EXHIBIT<BR> PAGE NUMBER HEREIN</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and Restated Articles of Incorporation as amended through August 11, 2011.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.1 to the Registration Statement on Form S-8<BR> (File No. 333-176869) filed on September 16, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Bylaws, as amended and restated on December 17, 2009.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.2 to Form 8-K Filed on December 23, 2009</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Agreement, dated July 22, 2009, between AmeriServ Financial, Inc. and Glenn L. Wilson.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K Filed July 28, 2009</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Securities Purchase Agreement, dated August 11, 2011, between AmeriServ Financial, Inc. and the Secretary of the Treasury, with respect to the issuance and sale of the SBLF Preferred Stock.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed on August 12, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.3</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Repurchase Letter Agreement dated August 11, 2011, between AmeriServ Financial, Inc. and the United States Department of the Treasury, with respect to the repurchase and redemption of the TARP Preferred Stock.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.2 to Form 8-K filed on August 12, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.4</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Letter Agreement, dated November 2, 2011, between AmeriServ Financial, Inc. and the United States Department of the Treasury, with respect to the repurchase of the Warrant.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed on November 2, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.5</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">AmeriServ Financial Inc. 2011 Stock Incentive Plan</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Appendix A to the Definitive Proxy Statement, filed under Schedule 14A, filed on<BR> March 21, 2011</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>21.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Subsidiaries of the Registrant.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>23.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Consent of Independent Registered Public Accounting Firm</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The following information from AMERISERV FINANCIAL, INC.&#146;s Annual Report on Form 10-K for the year ended December 31, 2012, formatted in XBRL (eTensible Business Reporting Language): (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Operations, (iii) Consolidated Statements of Cash Flows, and (iv) Notes to the Consolidated Financial Statements.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">94</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSIG"></a>SIGNATURES </H1>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 244px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc.<BR> (Registrant) </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 241px"></TD>

          <TD STYLE="width: 20px; text-align: left">By:</TD>

          <TD STYLE="text-align: justify">/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; CEO </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Date: February 21, 2013 </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on February 21, 2013: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="152"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="208"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Craig G. Ford<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Craig G. Ford</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Chairman<BR> Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">President, CEO &amp; Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">EVP &amp; CFO</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ J. Michael Adams, Jr.<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>J. Michael Adams, Jr.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Very Rev. Christian R. Oravec<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Very Rev. Christian R. Oravec</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Allan R. Dennison<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Allan R. Dennison</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Mark E. Pasquerilla<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Mark E. Pasquerilla</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Daniel R. DeVos<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Daniel R. DeVos</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Howard M. Picking, III<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Howard M. Picking, III</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James C. Dewar<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>James C. Dewar</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Sara A. Sargent<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Sara A. Sargent</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Bruce E. Duke, III<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Bruce E. Duke, III</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Thomas C. Slater<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Thomas C. Slater</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James M. Edwards, Sr.<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>James M. Edwards, Sr.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Robert L. Wise<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Robert L. Wise</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Kim W. Kunkle<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Kim W. Kunkle</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Margaret A. O&#146;Malley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Margaret A. O&#146;Malley</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">95</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.</H1>

<DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>AMERISERV FINANCIAL<BR> BANK OFFICE LOCATIONS</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Main Office Downtown<BR> 216 Franklin Street<BR> PO Box 520<BR> Johnstown, PA 15907-0520<BR> 1-800-837-BANK (2265) </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#134;*</TD>

          <TD STYLE="text-align: justify">Westmont Office<BR> 110 Plaza Drive<BR> Johnstown, PA 15905-1211 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#134;*</TD>

          <TD STYLE="text-align: justify">University Heights Office<BR> 1404 Eisenhower Boulevard<BR> Johnstown, PA 15904-3218 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Eighth Ward Office<BR> 1059 Franklin Street<BR> Johnstown, PA 15905-4303 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">West End Office<BR> 163 Fairfield Avenue<BR> Johnstown, PA 15906-2347 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Carrolltown Office<BR> 101 South Main Street<BR> Carrolltown, PA 15722-0507 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Northern Cambria Office<BR> 4206 Crawford Avenue<BR> Suite 1 Northern Cambria, PA 15714-1342 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#134;*</TD>

          <TD STYLE="text-align: justify">Lovell Park Office<BR> 179 Lovell Avenue<BR> Ebensburg, PA 15931-1864 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Nanty Glo Office<BR> 1383 Shoemaker Street<BR> Nanty Glo, PA 15943-1254 </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Galleria Mall Office<BR> 500 Galleria Drive Suite 100 Johnstown, PA 15904-8911</P>

</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Seward Office<BR> 1 Roadway Plaza<BR> 6858 Route 711 Suite One<BR> Seward, PA 15954-9501 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Windber Office<BR> 1501 Somerset Avenue<BR> Windber, PA 15963-1745 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Central City Office<BR> 104 Sunshine Avenue<BR> Central City, PA 15926-1129 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Somerset Office<BR> 108 W. Main Street<BR> Somerset, PA 15501-2035 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">Derry Office<BR> 112 South Chestnut Street<BR> Derry, PA 15627-1938 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">South Atherton Office<BR> 734 South Atherton Street<BR> State College, PA 16801-4628 </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pittsburgh Office<BR> 60 Boulevard of the Allies<BR> Suite 100<BR> Pittsburgh, PA 15222-1232 </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: justify">North Atherton Office<BR> 1857 N. Atherton Street<BR> State College, PA 16803-1521 </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*=</TD>

          <TD STYLE="text-align: justify">24-Hour ATM Banking<BR> Available </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">&#134;=</TD>

          <TD STYLE="text-align: justify">Seven Day a Week Banking<BR> Available</TD>

</TR>

</TABLE>

</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>REMOTE ATM<BR> BANKING LOCATIONS</B></P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">East Hills Drive-up,<BR> 1213 Scalp Avenue, Johnstown<BR> Main Office, 216 Franklin Street,<BR> Johnstown<BR> The Galleria, Johnstown </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>AMERISERV LOAN<BR> PRODUCTION LOCATIONS</B> </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Main Office Downtown<BR> 216 Franklin Street<BR> PO Box 520<BR> Johnstown, PA 15907-0520 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona Office<BR> 3415 Pleasant Valley Boulevard<BR> Pleasant Valley Shopping Center<BR> Altoona, PA 16602-4321 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Harrisburg Office<BR> 2080 Linglestown Road<BR> Suite 107<BR> Harrisburg, PA 17110-9693 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Hagerstown Office<BR> 1829 Howell Road<BR> Suite 3<BR> Hagerstown, MD 21740-6606 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pittsburgh Loan Center<BR> 300 Penn Center Boulevard<BR> Suite 402<BR> Pittsburgh, PA 15235-5507</P>

</DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">96</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SHAREHOLDER INFORMATION </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SECURITIES MARKETS </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. Common Stock is publicly traded and quoted on the NASDAQ National Market System. The common stock is traded under the symbol of &#147;ASRV.&#148; The listed market makers for the stock are: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Sandler O&#146;Neill &amp; Partners, L.P.<BR> 1251 Avenue of the Americas<BR> 6<sup>th</sup> Floor<BR> New York, NY 10020<BR> Telephone: (800) 635-6860</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Knight Capital Group, Inc.<BR> 545 Washington Boulevard<BR> Jersey City, NJ 07310<BR> Telephone: (800) 544-7508</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Stifel Nicolaus<BR> 1407 Eisenhower Boulevard<BR> Johnstown, PA 15904<BR> Telephone: (814) 269-9211</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Janney Montgomery Scott, LLC<BR> 1717 Arch Street, 19<sup>th</sup> Floor<BR> Philadelphia, PA 19103-2740<BR> Telephone: (215) 665-6000</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Keefe Bruyette &amp; Woods, Inc.<BR> 787 Seventh Avenue<BR> Equitable Bldg&nbsp;&#151;&nbsp;4<sup>th</sup> Floor<BR> New York, NY 10019<BR> Telephone: (800) 966-1559</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CORPORATE OFFICES </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The corporate offices of AmeriServ Financial, Inc. are located at 216 Franklin Street, Johnstown, PA 15901. Mailing address: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">P.O. Box 430<BR> Johnstown, PA 15907-0430<BR> (814) 533-5300 </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AGENTS </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The transfer agent and registrar for AmeriServ Financial, Inc.&#146;s common stock is: </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Computershare Investor Services<BR> P O Box 43078<BR> Providence, RI 02940-3078<BR> Shareholder Inquiries: 1-800-730-4001<BR> Internet Address: <I>http://www.Computershare.com</I> </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INFORMATION </P>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Analysts, investors, shareholders, and others seeking financial data about AmeriServ Financial, Inc. or any of its subsidiaries&#146; annual and quarterly reports, proxy statements, 10-K, 10-Q, 8-K, and call reports&nbsp;&#151;&nbsp; are asked to contact Jeffrey A. Stopko, Executive Vice President &amp; Chief Financial Officer at (814) 533-5310 or by e-mail at <I>JStopko@AmeriServ.com</I>. The Company also maintains a website (<I>www.AmeriServ.com</I>) that makes available, free of charge, such reports and proxy statements and other current financial information, such as press releases and SEC documents, as well as the
corporate governance documents under the Investor Relations tab on the Company&#146;s website. Information contained on the Company&#146;s website is not incorporated by reference into this Annual Report on Form 10-K. </P>

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<TYPE>EX-21.1
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<FILENAME>v330158_exh21x1.htm
<DESCRIPTION>EXHIBIT 21.1
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<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SUBSIDIARIES OF THE REGISTRANT </P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>NAME</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PERCENT OF OWNERSHIP</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>JURISDICTION OF ORGANIZATION</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Life Insurance Company<BR> 101 N. First Avenue #2460<BR> Phoenix, AZ 85003</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">State of Arizona</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Trust and Financial Services Company<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

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<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>v330158_exh23x1.htm
<DESCRIPTION>EXHIBIT 23.1
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<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H2>

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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ SR SNODGRASS, A.C.<BR> Wexford, Pennsylvania<BR> March 8, 2013 </P>

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<TYPE>EX-31.1
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<FILENAME>v330158_exh31x1.htm
<DESCRIPTION>EXHIBIT 31.1
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<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 31.1 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Glenn L. Wilson, certify that: </P>

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          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">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; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">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 ASF as of, and for, the periods presented in this report; </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">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 ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">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; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF'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 </TD>

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          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF's internal control over financial reporting that occurred during ASF's most recent fiscal quarter (ASF's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF's internal control over financial reporting; and </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF's auditors and the audit committee of ASF's board of directors: </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF's ability to record, process, summarize and report financial information; and </TD>

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          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF's internal control over financial reporting. </TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: March 8, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Glenn L. Wilson<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; CEO</TD>

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<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>v330158_exh31x2.htm
<DESCRIPTION>EXHIBIT 31.2
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 31.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF FINANCIAL OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Jeffrey A. Stopko, certify that: </P>

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          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

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          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">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; </TD>

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          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">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 ASF as of, and for, the periods presented in this report; </TD>

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          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

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          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">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 ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">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; </TD>

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          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF'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 </TD>

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          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF's internal control over financial reporting that occurred during ASF's most recent fiscal quarter (ASF's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF's internal control over financial reporting; and </TD>

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          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF's auditors and the audit committee of ASF's board of directors: </TD>

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          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF's ability to record, process, summarize and report financial information; and </TD>

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          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF's internal control over financial reporting. </TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: March 8, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; CFO</TD>

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<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>v330158_exh32x1.htm
<DESCRIPTION>EXHIBIT 32.1
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<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2012, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Glenn L. Wilson, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

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          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

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          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President and<BR> Chief Executive Officer<BR> March 8, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

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<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>v330158_exh32x2.htm
<DESCRIPTION>EXHIBIT 32.2
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 32.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2012, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Jeffrey A. Stopko, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Jeffrey A. Stopko<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President and<BR> Chief Financial Officer<BR> March 8, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

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  <asrv:DividendReinvestmentAndCommonStockPurchasePlanTextBlock id="DividendReinvestmentAndCommonStockPurchasePlanTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 19. DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s Dividend Reinvestment and Common Stock Purchase Plan (the Purchase Plan) provides each record holder of Common Stock with a simple and convenient method of purchasing additional shares without payment of any brokerage commissions, service charges or other similar expense. A participant in the Purchase Plan may purchase shares of Common Stock by electing either to (1) reinvest dividends on all of his or her shares of Common Stock (if applicable) or (2) make optional cash payments of not less than $10 and up to a maximum of $2,000 per month and continue to receive regular dividend payments on his or her other shares. A participant may withdraw from the Purchase Plan at any time.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In the case of purchases from AmeriServ Financial, Inc. of treasury or newly-issued shares of Common Stock, the average market price is determined by averaging the high and low sale price of the Common Stock as reported on the NASDAQ on the relevant investment date. During 2012, the Company issued no shares and at December 31, 2012 had 3,355 unissued reserved shares available under the Purchase Plan. In the case of purchases of shares of Common Stock on the open market, the average market price will be the weighted average purchase price of shares purchased for the Purchase Plan in the market for the relevant investment date.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:DividendReinvestmentAndCommonStockPurchasePlanTextBlock>
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  <asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock id="FederalHomeLoanBankStockPolicyPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; FEDERAL HOME LOAN BANK STOCK:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&amp;#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock>
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  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0318</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4501.3279.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3279.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0365</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4501.1174.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1174.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0217</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0369</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4501.3279.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3279.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0365</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4501.1174.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1174.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0404</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0144</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4501.1174.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1174.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0144</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0292</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4501.1174.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1174.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0292</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear id="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0146</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear id="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.4501.1174.1281.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1174.1281.0.0.0.0" unitRef="UPure" decimals="4">0.0146</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="HeldToMaturitySecuritiesWeightedAverageMaturityTerm.4115.3279.3184.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3279.3184.0.0.0.0">P3Y1M6D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="HeldToMaturitySecuritiesWeightedAverageMaturityTerm.4115.33524.3184.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.33524.3184.0.0.0.0">P4Y10M17D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">-2080000</asrv:IncomeLossFromSubsidiariesNetOfTax>
  <asrv:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">4901000</asrv:IncomeLossFromSubsidiariesNetOfTax>
  <asrv:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2477000</asrv:IncomeLossFromSubsidiariesNetOfTax>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">34752000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35630000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">39020000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">63000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">69000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">76000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">435000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">637000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">834000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">P1Y8M23D</asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:LossContingencyTermOfCommitment id="LossContingencyTermOfCommitment.4115.4946.3139.3248.4187.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.4946.3139.3248.4187.0.0">P1Y</asrv:LossContingencyTermOfCommitment>
  <asrv:LossContingencyTermOfCommitment id="LossContingencyTermOfCommitment.4115.4946.3139.3241.4187.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.4946.3139.3241.4187.0.0">P2Y</asrv:LossContingencyTermOfCommitment>
  <asrv:MaximumNotionalAmountOfDerivativesOutstanding id="MaximumNotionalAmountOfDerivativesOutstanding.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">500000000</asrv:MaximumNotionalAmountOfDerivativesOutstanding>
  <asrv:MinimumPercentageTierOneCapitalToBeMaintained id="MinimumPercentageTierOneCapitalToBeMaintained.4501.4813.4962.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.4813.4962.0.0.0.0" unitRef="UPure" decimals="1">0.9</asrv:MinimumPercentageTierOneCapitalToBeMaintained>
  <asrv:NonPerformingAssetsIncludingTroubleDebtRestructurings id="NonPerformingAssetsIncludingTroubleDebtRestructurings.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5199000</asrv:NonPerformingAssetsIncludingTroubleDebtRestructurings>
  <asrv:NonPerformingAssetsIncludingTroubleDebtRestructurings id="NonPerformingAssetsIncludingTroubleDebtRestructurings.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7224000</asrv:NonPerformingAssetsIncludingTroubleDebtRestructurings>
  <asrv:NonPerformingAssetsTextBlock id="NonPerformingAssetsTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 6. NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT&lt;br /&gt; RESTRUCTURINGS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present information concerning non-performing assets:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-accrual loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,814&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,075&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,101&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;20&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;127&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 104&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total restructured loans not in non-accrual (TDR)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;182&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total non-performing assets including TDR&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,224&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,199&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.78&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company had no loans past due 90 days or more for the periods presented which were accruing interest.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&amp;#39;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&amp;#39;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&amp;#39;s loan.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; To be considered a TDR, both of the following criteria must be met:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower must be experiencing financial difficulties; and&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the Bank, for economic or legal reasons related to the borrower&amp;#39;s financial difficulties, grants a concession to the borrower that would not otherwise be considered.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is currently in default on their loan(s);&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower has filed for bankruptcy;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower has insufficient cash flows to service their loan(s); and&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Factors that indicate that a concession has been granted include, but are not limited to:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; or&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&amp;#39;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Any loan modification where the borrower&amp;#39;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;4&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,772&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;169&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;1&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;13&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2011 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2010 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,337&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made an additional six consecutive payments in accordance with the terms of the loan.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table presents the recorded investment in loans that were classified as TDR&amp;#39;s and defaulted during these reporting periods (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;Twelve months ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &lt;u&gt;Recorded investment of defaults&lt;/u&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 595&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,312&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 390&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 595&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,312&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 390&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; All TDR&amp;#39;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&amp;#39;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income due in accordance with original terms&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;231&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;376&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,086&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recorded&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (167&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (458&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net reduction in interest income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;231&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 209&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 628&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:NonPerformingAssetsTextBlock>
  <asrv:NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor id="NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.4115.1018.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1018.2176.0.0.0.0" unitRef="UPure" decimals="0">12</asrv:NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor>
  <asrv:NumberOfCountiesInWhichEntityOperates id="NumberOfCountiesInWhichEntityOperates.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="0">5</asrv:NumberOfCountiesInWhichEntityOperates>
  <asrv:PercentageOfInvestmentSecuritiesPortfolioRated id="PercentageOfInvestmentSecuritiesPortfolioRated.4114.4930.3801.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.4930.3801.0.0.0.0" unitRef="UPure" decimals="3">0.984</asrv:PercentageOfInvestmentSecuritiesPortfolioRated>
  <asrv:PercentageOfInvestmentSecuritiesPortfolioRated id="PercentageOfInvestmentSecuritiesPortfolioRated.4501.4930.3801.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.4930.3801.0.0.0.0" unitRef="UPure" decimals="3">0.922</asrv:PercentageOfInvestmentSecuritiesPortfolioRated>
  <asrv:PercentageOfLendingIncentiveFeePayable id="PercentageOfLendingIncentiveFeePayable.4115.4813.4962.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.4813.4962.0.0.0.0" unitRef="UPure" decimals="4">0.0005</asrv:PercentageOfLendingIncentiveFeePayable>
  <asrv:PreferredStockDividendAnnualizationBeginDate id="PreferredStockDividendAnnualizationBeginDate.4115.34467.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34467.34465.4813.4962.0.0">2011-08-11</asrv:PreferredStockDividendAnnualizationBeginDate>
  <asrv:PreferredStockDividendAnnualizationBeginDate id="PreferredStockDividendAnnualizationBeginDate.4115.34468.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34468.34465.4813.4962.0.0">2012-01-01</asrv:PreferredStockDividendAnnualizationBeginDate>
  <asrv:PreferredStockDividendAnnualizationBeginDate id="PreferredStockDividendAnnualizationBeginDate.4115.34470.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34470.34465.4813.4962.0.0">2014-01-01</asrv:PreferredStockDividendAnnualizationBeginDate>
  <asrv:PreferredStockDividendAnnualizationBeginDate id="PreferredStockDividendAnnualizationBeginDate.4115.34471.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34471.34465.4813.4962.0.0">2016-02-08</asrv:PreferredStockDividendAnnualizationBeginDate>
  <asrv:PreferredStockDividendAnnualizationEndDate id="PreferredStockDividendAnnualizationEndDate.4115.34467.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34467.34465.4813.4962.0.0">2011-12-31</asrv:PreferredStockDividendAnnualizationEndDate>
  <asrv:PreferredStockDividendAnnualizationEndDate id="PreferredStockDividendAnnualizationEndDate.4115.34468.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34468.34465.4813.4962.0.0">2013-12-31</asrv:PreferredStockDividendAnnualizationEndDate>
  <asrv:PreferredStockDividendAnnualizationEndDate id="PreferredStockDividendAnnualizationEndDate.4115.34470.34465.4813.4962.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34470.34465.4813.4962.0.0">2016-02-07</asrv:PreferredStockDividendAnnualizationEndDate>
  <asrv:PreferredStockRedemptionPricePercentage id="PreferredStockRedemptionPricePercentage.4501.4813.4962.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.4813.4962.0.0.0.0" unitRef="UPure" decimals="2">1</asrv:PreferredStockRedemptionPricePercentage>
  <asrv:RealEstateConstructionLoansPercentage id="RealEstateConstructionLoansPercentage.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.019</asrv:RealEstateConstructionLoansPercentage>
  <asrv:RealEstateConstructionLoansPercentage id="RealEstateConstructionLoansPercentage.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0.02</asrv:RealEstateConstructionLoansPercentage>
  <asrv:RepurchaseOfWarrantsShares id="RepurchaseOfWarrantsShares.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UShares" decimals="0">1312500</asrv:RepurchaseOfWarrantsShares>
  <asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock id="ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Discount rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.75&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Salary scale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock>
  <asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock id="ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Discount rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.75%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.75&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Rate of compensation increase&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock>
  <asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock id="ScheduleOfChangesInDeferredTaxesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized gains recognized in comprehensive income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;162&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,231&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Pension obligation of the defined benefit plan not yet recognized in income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;725&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;612&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deferred provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,101)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,758&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net decrease&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,214)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,377&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock>
  <asrv:ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock id="ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,365&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(345)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;138&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;438&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,400&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(796)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;245&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,053)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate- mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,270&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(420)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;54&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;365&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;174&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(200)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;129&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,414&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(654)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,761)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;484&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2010&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,851&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (953&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;831&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,364&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,717&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,700&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;331&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,948&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,400&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate- mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,117&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(85&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;53&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;185&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;206&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (203&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;159&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;12&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;174&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,874&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (460&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,941&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,374&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,575&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,623&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock>
  <asrv:ScheduleOfDepositLiabilitiesTableTextBlock id="ScheduleOfDepositLiabilitiesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Demand:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest bearing&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;156,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 141,982&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Interest bearing&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,774&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 62,568&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Savings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;86,135&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 82,899&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Money market&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;215,870&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 195,410&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 43,762&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other time&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;280,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 289,799&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total deposits&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;835,734&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 816,420&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfDepositLiabilitiesTableTextBlock>
  <asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock id="ScheduleOfFairValueOfPlanAssetsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Level 1:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Domestic equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,731&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,402&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; International equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;336&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,566&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,918&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Level 2:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,860&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total fair value of plan assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,180&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock id="ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING IN:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Three months or less&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,235&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over three through six months&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,867&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over six through twelve months&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,839&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over twelve months&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock id="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;OTHER TIME DEPOSITS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CERTIFICATES OF DEPOSIT OF $100,000 OR MORE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150,998&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;27,941&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,120&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;29,222&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;795&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,021&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;400&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,125&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2018 and after&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;44,907&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;280,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock>
  <asrv:ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock id="ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-accrual loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,814&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,075&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,101&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;20&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;127&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 104&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total restructured loans not in non-accrual (TDR)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;182&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total non-performing assets including TDR&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,224&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,199&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.78&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock>
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&lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;Twelve months ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &lt;u&gt;Recorded investment of defaults&lt;/u&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 595&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,312&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 390&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 595&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,312&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 390&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock>
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  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment id="AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">22102000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
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  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3660000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
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  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4115.461.4957.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.461.4957.0.0.0.0" unitRef="USD" decimals="-3">38000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4498.461.4957.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.461.4957.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4499.461.4957.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.461.4957.0.0.0.0" unitRef="USD" decimals="-3">18000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
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  <us-gaap:AdvancesFromFederalHomeLoanBanks id="AdvancesFromFederalHomeLoanBanks.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">28660000</us-gaap:AdvancesFromFederalHomeLoanBanks>
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  <us-gaap:AllocatedShareBasedCompensationExpense id="AllocatedShareBasedCompensationExpense.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:AllocatedShareBasedCompensationExpense>
  <us-gaap:AllocatedShareBasedCompensationExpense id="AllocatedShareBasedCompensationExpense.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18000</us-gaap:AllocatedShareBasedCompensationExpense>
  <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock id="AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,806&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;378,546&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,407&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,359&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; General reserve allocation&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,210&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,985&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 345,908&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 659,867&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;968&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;968&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; General reserve allocation&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,432&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 174&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,655&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,400&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 174&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,623&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
  <us-gaap:AllowanceForCreditLossesTextBlock id="AllowanceForCreditLossesTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 5. ALLOWANCE FOR LOAN LOSSES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,365&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(345)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;138&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;438&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,400&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(796)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;245&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,053)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate- mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,270&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(420)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;54&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;365&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;174&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(200)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;129&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,414&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(654)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,761)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;484&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2010&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,851&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (953&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;831&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,364&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,717&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,700&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;331&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,948&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,400&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate- mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,117&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(85&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;53&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;185&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;206&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (203&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;159&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;12&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;174&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,874&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (460&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,941&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,374&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,575&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,623&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; An analysis of the changes in the allowance for loan losses follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;YEAR ENDED DECEMBER 31,&lt;br /&gt; 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance January 1&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,685&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,250&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recoveries on loans previously charged-off&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;461&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans charged-off&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (5,631&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance December 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,806&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;378,546&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,407&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,359&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; General reserve allocation&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,210&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,985&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 345,908&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 659,867&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;968&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;968&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; General reserve allocation&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,432&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 174&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,655&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,365&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,400&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,270&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 174&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,414&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,623&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The segments of the Company&amp;#39;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&amp;#39;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is driven by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Management evaluates for possible impairment any individual loan in the commercial segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&amp;#39;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; (b) the loan&amp;#39;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependant loans. The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&amp;#39;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The need for an updated appraisal on collateral dependent loans is determined on a case by case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&amp;#39;s internal Assigned Risk Department to support the value of the property.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&amp;#39;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the passage of time;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the volatility of the local market;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the availability of financing;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;natural disasters;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the inventory of competing properties;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 24px"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;environmental contamination.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&amp;#39;s Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;554&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,850&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,23&lt;/strong&gt;9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;567&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,806&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,863&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,836&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 968&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,034&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,844&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,836&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 968&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,034&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,844&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average impaired balance:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;503&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,591&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,754&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,479&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,611&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average investment in impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,770&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,982&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,202&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recognized:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;90&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 150&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 368&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recognized on a cash basis on impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 167&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 458&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Management uses a ten point internal risk rating system to monitor the credit quality of the commercial and commercial real estate portfolios. The first six categories are considered not criticized. The first five "Pass" categories are aggregated, while the Pass 6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&amp;#39;s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&amp;#39;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2012 requires review of a minimum 55% of the commercial loan portfolio.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&amp;#39;s Loan Loss Reserve Committee on a quarterly basis.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;99,886&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;28&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;343,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,836&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,010&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;443,771&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,918&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;486,161&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80,175&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,186&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;763&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 305,066&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 28,138&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 16,244&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 330&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 385,241&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 30,324&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17,007&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 330&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 432,902&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="616"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;216,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,407&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;233,800&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,204&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 211,458&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 229,630&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;30 - 59 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;60 - 89 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;br /&gt; PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,775&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;379,834&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,545&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;213,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,240&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;303&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;741&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,284&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;16&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;49&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;713,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,256&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,928&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,701&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;30 - 59 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;60 - 89 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 347,671&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;650&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,457&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,107&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 209,060&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,133&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;629&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;841&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,603&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,115&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 57&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 57&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 657,970&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,840&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 629&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,298&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,767&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; An allowance for loan losses ("ALL") is maintained to absorb losses from the loan portfolio. The ALL is based on management&amp;#39;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&amp;#39;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&amp;#39;s management to establish allocations which accommodate each of the listed risk factors.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; "Pass" rated credits are segregated from "Criticized" and "Classified" credits for the application of qualitative factors.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
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  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4501.34196.136.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34196.136.0.0.0.0" unitRef="USD" decimals="-3">76325000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">68377000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">76985000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4114.34196.136.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.34196.136.0.0.0.0" unitRef="UPure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
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  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="UPure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
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  <us-gaap:CapitalToRiskWeightedAssets id="CapitalToRiskWeightedAssets.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.1592</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">34783000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4502.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4502.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">19337000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4503.0.0.0.0.0.0" contextRef="as-of-2009-12-31.4503.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26308000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4114.3756.136.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">4530000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4501.3756.136.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">6185000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4502.3756.136.0.0.0.0" contextRef="as-of-2010-12-31.4502.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2732000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4503.3756.136.0.0.0.0" contextRef="as-of-2009-12-31.4503.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">3017000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsDisclosureTextBlock id="CashAndCashEquivalentsDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 2. CASH AND DUE FROM DEPOSITORY INSTITUTIONS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Included in "Cash and due from depository institutions" are required federal reserves of $0 and $150,000 at December 31, 2012 and 2011, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
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  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4501.2024.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2024.1894.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-7963000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15446000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-6971000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">1655000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">1798000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">-285000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPolicyTextBlock id="CashAndCashEquivalentsPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $142,000 in income tax payments in 2012; $97,000 in 2011; and $174,000 in 2010. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $1,266,000 in 2012; $169,000 in 2011; and $788,000 in 2010. The Company made total interest payments of $8,154,000 in 2012; $10,699,000 in 2011; and $13,084,000 in 2010.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26938000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17808000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4114.3756.136.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">100000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4501.3756.136.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">100000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4114.857.1941.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">35351000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4501.857.1941.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35351000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4501.2024.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2024.1894.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights id="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.4643.34130.967.0.0.0.0" contextRef="as-of-2008-12-19.4643.0.34130.967.0.0.0.0" unitRef="UPerUnit" decimals="1">2.4</us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights>
  <us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights id="ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.4643.34130.967.0.0.0.0" contextRef="as-of-2008-12-19.4643.0.34130.967.0.0.0.0" unitRef="UShares" decimals="0">1312500</us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock id="CommitmentsAndContingenciesDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 16. COMMITMENTS AND CONTINGENT LIABILITIES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&amp;#39;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&amp;#39;s commercial loans.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2012, the Company had various outstanding commitments to extend credit approximating $132,804,000 and standby letters of credit of $11,365,000, compared to commitments to extend credit of $124,820,000 and standby letters of credit of $10,991,000 at December 31, 2011. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $4.2 million were secured as of December 31, 2012 and approximately $5.0 million at December 31, 2011. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $648,000 at December 31, 2012 and $759,000 at December 31, 2011.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company&amp;#39;s consolidated financial position, results of operation or cash flows.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
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  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="-3">0.0</us-gaap:CommonStockDividendsPerShareDeclared>
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PARENT COMPANY FINANCIAL INFORMATION&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; BALANCE SHEETS&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ASSETS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term investments in money market funds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,430&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,534&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 11,269&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity investment in banking subsidiary&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;99,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 103,010&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity investment in non-banking subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,888&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;240&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;256&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,713&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,604&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL ASSETS&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;123,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 126,557&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; LIABILITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Guaranteed junior subordinated deferrable interest debentures&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,085&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other liabilities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;257&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,120&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL LIABILITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,342&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; STOCKHOLDERS&amp;#39; EQUITY&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total stockholders&amp;#39; equity&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;110,468&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 112,352&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL LIABILITIES AND STOCKHOLDERS&amp;#39; EQUITY&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;123,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 126,557&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; STATEMENTS OF OPERATIONS&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INCOME&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Inter-entity management and other fees&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,355&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,329&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,362&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Dividends from banking subsidiary&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,500&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Dividends from non-banking subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;710&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;620&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest and dividend income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;306&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 415&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 499&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,864&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,066&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; EXPENSE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,121&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,121&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,394&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,333&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,582&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,477&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,529&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL EXPENSE&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,071&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,992&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,983&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;872&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,917&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit for income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;819&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;764&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;722&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,080)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,901&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,477&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COMPREHENSIVE INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,320&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,739&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 793&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; STATEMENTS OF CASH FLOWS&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; OPERATING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Adjustment to reconcile net income to net cash provided by (used in) operating activities:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,080&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,901&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,477&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Stock compensation expense&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;38&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;61&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other&amp;nbsp;-&amp;nbsp;net&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(989)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (285&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (107&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,168&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,366&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,241&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INVESTING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Purchase of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,077)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,049&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,044&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Proceeds from maturity of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,809&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,942&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,050&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Capital contribution to banking subsidiary&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH PROVIDED BY INVESTING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;732&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,893&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,006&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Purchase of treasury stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(4,417)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (582&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Warrant repurchase&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (825&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Preferred stock dividends paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(828)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,054&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,050&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH USED IN FINANCING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,245)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,461&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,050&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,655&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,798&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (285&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,530&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,732&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,017&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,530&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,732&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&amp;#39;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&amp;#39;s retained net income for the current and preceding two calendar years. At December 31, 2012, our subsidiary Bank had $5.1 million of cash available for immediate dividends to the holding company under the applicable regulatory formulas. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $107,300,000 of restricted surplus and retained earnings at December 31, 2012.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
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DEPOSITS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth the balance of the Company&amp;#39;s deposits:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Demand:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest bearing&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;156,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 141,982&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Interest bearing&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,774&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 62,568&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Savings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;86,135&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 82,899&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Money market&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;215,870&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 195,410&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 43,762&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other time&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;280,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 289,799&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total deposits&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;835,734&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 816,420&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Interest expense on deposits consisted of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest bearing demand&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;116&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;153&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;176&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Savings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;181&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;256&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;397&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Money market&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;895&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,063&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,622&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;435&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;637&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;834&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other time&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,875&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,226&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,916&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,502&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,335&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,945&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2012 maturing in the periods presented:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;OTHER TIME DEPOSITS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CERTIFICATES OF DEPOSIT OF $100,000 OR MORE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;150,998&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;27,941&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,120&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;29,222&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;795&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,021&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;400&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,125&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2018 and after&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;44,907&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;280,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2012, are as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING IN:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Three months or less&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,235&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over three through six months&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,867&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over six through twelve months&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,839&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over twelve months&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35,339&lt;/strong&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
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  <us-gaap:DerivativeAssets id="DerivativeAssets.4114.2026.1894.1906.1887.0.0" contextRef="as-of-2011-12-31.4114.0.2026.1894.1906.1887.0.0" unitRef="USD" decimals="-3">346000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4501.2026.1894.1906.1887.0.0" contextRef="as-of-2012-12-31.4501.0.2026.1894.1906.1887.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
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  <us-gaap:DerivativeAssets id="DerivativeAssets.4501.2026.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2026.1894.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeFixedInterestRate id="DerivativeFixedInterestRate.4501.34176.1491.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34176.1491.0.0.0.0" unitRef="UPure" decimals="4">0.0525</us-gaap:DerivativeFixedInterestRate>
  <us-gaap:DerivativeFixedInterestRate id="DerivativeFixedInterestRate.4501.34177.1491.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34177.1491.0.0.0.0" unitRef="UPure" decimals="4">0.0525</us-gaap:DerivativeFixedInterestRate>
  <us-gaap:DerivativeInceptionDates id="DerivativeInceptionDates.4115.34176.1491.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34176.1491.0.0.0.0">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:DerivativeInceptionDates id="DerivativeInceptionDates.4115.34177.1491.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.34177.1491.0.0.0.0">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock id="DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 21. DERIVATIVE HEDGING INSTRUMENTS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; To accommodate a customer need and support the Company&amp;#39;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involves the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agrees to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agrees to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allows the Company&amp;#39;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and do not significantly impact the Company&amp;#39;s results of operations.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table summarizes the interest rate swap transactions that impacted the Company&amp;#39;s 2012 performance:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; START DATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MATURITY DATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;HEDGE&lt;br /&gt; TYPE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NOTIONAL AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE RECEIVED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;br /&gt; PAID&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REPRICING FREQUENCY&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INCREASE (DECREASE) IN INTEREST EXPENSE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 12/12/08&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 09/24/13&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,000,000&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.73&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; MONTHLY&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;227,088&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 12/12/08&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 09/24/13&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,000,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.73&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; MONTHLY&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(227,088)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
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  <us-gaap:DerivativesPolicyTextBlock id="DerivativesPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INTEREST RATE CONTRACTS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company typically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
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  <us-gaap:DerivativeVariableInterestRate id="DerivativeVariableInterestRate.4501.34177.1491.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34177.1491.0.0.0.0" unitRef="UPure" decimals="4">0.0273</us-gaap:DerivativeVariableInterestRate>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock id="DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 18. STOCK COMPENSATION PLANS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company uses the modified perspective method for accounting for stock-based compensation and recognized $38,000 of pretax compensation expense for the year 2012, $15,000 in 2011 and $18,000 in 2010.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; During 2011, the Company&amp;#39;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a stock option granted during 2012 may be exercised was not less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; A summary of the status of the Company&amp;#39;s Stock Incentive Plan at December 31, 2012, 2011, and 2010, and changes during the years then ended is presented in the table and narrative following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Outstanding at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;313,612&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.02&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 257,287&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.18&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 293,609&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.23&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Granted&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 58,575&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 105,041&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.78&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Exercised&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,500)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.70&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (750&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.70&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Forfeited&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(77,982)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.47&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,500&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.70&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (141,363&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Outstanding at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;398,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 313,612&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.02&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 257,287&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.18&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Exercisable at end of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;167,624&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.29&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 179,874&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.81&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 118,571&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.79&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average fair value of options granted in current year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.80&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.39&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; A total of 167,624 of the 398,371 options outstanding at December 31, 2012, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.29 and a weighted average remaining contractual life of 6.34 years. All of these options are exercisable. The remaining 230,747 options that are not yet exercisable have exercise prices between $1.53 and $2.80, with a weighted average exercise price of $2.50 and a weighted average remaining contractual life of 8.82 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2012, 2011, and 2010.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; BLACK-SCHOLES ASSUMPTION RANGES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Risk-free interest rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.66&amp;nbsp;-&amp;nbsp;2.28%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 2.19&amp;nbsp;-&amp;nbsp;3.62&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 3.21&amp;nbsp;-&amp;nbsp;3.83&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected lives in years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;10&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;10&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected volatility&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33.26&amp;nbsp;-&amp;nbsp;35.77%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 35.03&amp;nbsp;-&amp;nbsp;35.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 34.60&amp;nbsp;-&amp;nbsp;35.74&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected dividend rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
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  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4638.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-03-31.4638.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="2">0.05</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerSharePolicyTextBlock id="EarningsPerSharePolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; EARNINGS PER COMMON SHARE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 49,842, 185,917, and 1,467,142 shares of common stock were outstanding during 2012, 2011 and 2010, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $2.80&amp;nbsp;-&amp;nbsp;$5.75, $2.07&amp;nbsp;-&amp;nbsp;$6.10, and $1.73&amp;nbsp;-&amp;nbsp;$6.10 during 2012, 2011 and 2010, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
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  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="EffectiveIncomeTaxRateContinuingOperations.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.304</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="EffectiveIncomeTaxRateContinuingOperations.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.059</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.011</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">-0.001</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.044</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.043</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.035</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="UPure" decimals="3">0.325</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1764000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1686000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1680000</us-gaap:EquipmentExpense>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4114.3756.136.34199.4635.0.0" contextRef="as-of-2011-12-31.4114.0.3756.136.34199.4635.0.0" unitRef="USD" decimals="-3">103010000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4501.3756.136.34199.4635.0.0" contextRef="as-of-2012-12-31.4501.0.3756.136.34199.4635.0.0" unitRef="USD" decimals="-3">99121000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4114.3756.136.34200.4635.0.0" contextRef="as-of-2011-12-31.4114.0.3756.136.34200.4635.0.0" unitRef="USD" decimals="-3">4888000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4501.3756.136.34200.4635.0.0" contextRef="as-of-2012-12-31.4501.0.3756.136.34200.4635.0.0" unitRef="USD" decimals="-3">5017000</us-gaap:EquityMethodInvestments>
  <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock id="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,902&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,902&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
  <us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock id="FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; December 31, 2012&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Range&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -35&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -20&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock id="FairValueByBalanceSheetGroupingTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,321&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,94&lt;/strong&gt;5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Regulatory stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans held for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,576&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;708,594&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,756&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,756&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued income receivable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;315,732&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;320,930&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;320,930&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; All other borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CARRYING VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34,783&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34,783&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,914&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,280&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Regulatory stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans held for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,195&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,110&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 655,357&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 649,114&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued income receivable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,216&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,216&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 35,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 35,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 482,859&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 482,859&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 338,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 333,561&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; All other borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,606&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,085&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,523&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,523&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability id="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">759000</us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability>
  <us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability id="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">648000</us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability>
  <us-gaap:FairValueDisclosuresTextBlock id="FairValueDisclosuresTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 11. DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&amp;#39;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&amp;#39;s terms and conditions, among other things.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2012 and 2011, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; &lt;u&gt;Assets and Liability Measured on a Recurring Basis&lt;/u&gt;&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair value of $3.2 million. At December 31, 2011, impaired loans with a carrying value of $3.9 million were reduced by specific valuation allowance totaling $968,000 resulting in a net fair value of $2.9 million.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; &lt;u&gt;Assets Measured on a Non-recurring Basis&lt;/u&gt;&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Assets measured at fair value on a non-recurring basis are summarized below (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,902&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,902&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; December 31, 2012&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Range&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Impaired loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,220&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -35&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other real estate owned&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,228&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;1% to -20&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; 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  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities id="FeesAndCommissionsFiduciaryAndTrustActivities.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6173000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities id="FeesAndCommissionsFiduciaryAndTrustActivities.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5571000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy id="FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $250,000 ($100,000 for loans classified as doubtful or worse) to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans is based on careful analysis of the loan&amp;#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&amp;#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy id="FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOANS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy id="FinanceLoanAndLeaseReceivablesHeldForSalePolicy.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOANS HELD FOR SALE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&amp;#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
  <us-gaap:FinancialInstrumentsDisclosureTextBlock id="FinancialInstrumentsDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 12. DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&amp;#39;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2012 and 2011, were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,820&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities - AFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities - HTM&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,321&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,94&lt;/strong&gt;5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Regulatory stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,304&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans held for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,576&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;708,594&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,756&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;716,756&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued income receivable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;36,214&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;520,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;315,732&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;320,930&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;320,930&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; All other borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,083&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CARRYING VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34,783&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34,783&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities - AFS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities - HTM&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,914&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,280&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Regulatory stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans held for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,195&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,110&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 655,357&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 649,114&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued income receivable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,216&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,216&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 35,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 35,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 482,859&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 482,859&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 338,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 333,561&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; All other borrowings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,606&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,085&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,523&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,523&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair value of cash and cash equivalents, regulatory stock, accrued income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&amp;#39;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period).&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair value of total borrowed funds is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&amp;#39;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancialInstrumentsDisclosureTextBlock>
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  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4114.1117.2176.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.1117.2176.0.0.0.0" unitRef="USD" decimals="-3">18172000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4501.1117.2176.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1117.2176.0.0.0.0" unitRef="USD" decimals="-3">17407000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">659867000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">716359000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock id="FinancingReceivableCreditQualityIndicatorsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;99,886&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;28&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;343,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,836&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,010&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;443,771&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,918&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;486,161&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80,175&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,186&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;763&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 305,066&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 28,138&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 16,244&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 330&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 385,241&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 30,324&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17,007&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 330&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 432,902&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="616"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;216,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,407&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;233,800&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,204&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 211,458&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 229,630&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
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  <us-gaap:Goodwill id="Goodwill.4501.34169.4956.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34169.4956.0.0.0.0" unitRef="USD" decimals="-3">9500000</us-gaap:Goodwill>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock id="GoodwillAndIntangibleAssetsDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 20. INTANGIBLE ASSETS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&amp;#39;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; A reconciliation of the Company&amp;#39;s intangible goodwill balances for 2012 and 2011 is as follows (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance January 1&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,613&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,950&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Reduction from purchase price adjustment of WCCA&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 337&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance December 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,613&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock id="GoodwillAndIntangibleAssetsPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INTANGIBLE ASSETS:&lt;/h5&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Goodwill&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&amp;#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
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  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4498.1018.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">503000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4499.1018.2176.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">3591000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4115.1015.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">3754000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4498.1015.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">4479000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4499.1015.2176.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">14611000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3770000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4982000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18202000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4115.1118.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1118.2176.0.0.0.0" unitRef="USD" decimals="-3">3000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
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  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4498.1018.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">17000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4499.1018.2176.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">90000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4115.1015.2176.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1015.2176.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4498.1015.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4499.1015.2176.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">368000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4115.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">167000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">458000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4115.1118.2176.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1118.2176.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4114.1015.2176.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">3870000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4501.1015.2176.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">4793000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3870000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4806000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4501.1118.2176.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1118.2176.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4114.1015.2176.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">968000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4501.1015.2176.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">968000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4501.1118.2176.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4501.0.1118.2176.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock id="ImpairedFinancingReceivablesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;554&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,850&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,23&lt;/strong&gt;9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,586&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;567&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,806&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,863&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RECOREDED INVESTMENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,836&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 968&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,034&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,844&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,836&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 968&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,034&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,870&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,844&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average impaired balance:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;503&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,591&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,754&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,479&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,611&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average investment in impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,770&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,982&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,202&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recognized:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;90&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 150&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 368&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recognized on a cash basis on impaired loans&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 167&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 458&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
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  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4498.34184.4956.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.34184.4956.0.0.0.0" unitRef="USD" decimals="-3">-4699000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4499.34184.4956.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.34184.4956.0.0.0.0" unitRef="USD" decimals="-3">-1082000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">6300000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">872000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">-1917000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxDisclosureTextBlock id="IncomeTaxDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 13. INCOME TAXES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The expense for income taxes is summarized below:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Current&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;140&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;95&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;206&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deferred&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,101&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,758&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (126&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The reconciliation between the federal statutory tax rate and the Company&amp;#39;s effective consolidated income tax rate is as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense based on federal statutory rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;34.0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,193&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34.0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;463&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34.0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tax exempt income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(315)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(4.3)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (325&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3.5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (443&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (32.5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;81&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.1&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (15&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (0.1&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 60&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.4&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total expense for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30.8%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 30.4&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; DEFERRED TAX ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Allowance for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,274&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,972&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Unfunded commitment reserve&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;221&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;259&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Premises and equipment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,626&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,468&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued pension obligation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,357&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Net operating loss carryforwards&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,883&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,300&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Alternative minimum tax credits&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,635&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,485&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 419&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total tax assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,923&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,260&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; DEFERRED TAX LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Investment accretion&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(28)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized investment security gains&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,133)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,295&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(295)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (250&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total tax liabilities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,456)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,579&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net deferred tax asset&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,467&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,681&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; At December 31, 2012 and 2011, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The change in net deferred tax assets and liabilities consist of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized gains recognized in comprehensive income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;162&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,231&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Pension obligation of the defined benefit plan not yet recognized in income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;725&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;612&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deferred provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,101)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,758&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net decrease&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,214)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,377&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company has alternative minimum tax credit carryforwards of approximately $1.6 million at December 31, 2012. These credits have an indefinite carryforward period. The Company also has an $8.5 million net operating loss carryforward that will begin to expire in the year 2025.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&amp;#39;s federal and state income tax returns for taxable years through 2008 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
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  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">22000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm>
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  <us-gaap:InterestExpenseJuniorSubordinatedDebentures id="InterestExpenseJuniorSubordinatedDebentures.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1120000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
  <us-gaap:InterestIncomeAndInterestExpenseDisclosureTextBlock id="InterestIncomeAndInterestExpenseDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest bearing demand&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;116&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;153&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;176&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Savings&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;181&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;256&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;397&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Money market&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;895&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,063&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,622&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;435&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;637&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; 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TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,916&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 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  <us-gaap:InvestmentAdvisoryFees id="InvestmentAdvisoryFees.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">713000</us-gaap:InvestmentAdvisoryFees>
  <us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure id="InvestmentInFederalHomeLoanBankStockFairValueDisclosure.4114.857.1941.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">8016000</us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure>
  <us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure id="InvestmentInFederalHomeLoanBankStockFairValueDisclosure.4501.857.1941.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">6304000</us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure>
  <us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure id="InvestmentInFederalHomeLoanBankStockFairValueDisclosure.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8016000</us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure>
  <us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure id="InvestmentInFederalHomeLoanBankStockFairValueDisclosure.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6304000</us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure>
  <us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure id="InvestmentInFederalHomeLoanBankStockFairValueDisclosure.4501.2024.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2024.1894.0.0.0.0" unitRef="USD" decimals="-3">6304000</us-gaap:InvestmentInFederalHomeLoanBankStockFairValueDisclosure>
  <us-gaap:InvestmentPolicyTextBlock id="InvestmentPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INVESTMENT SECURITIES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Securities are classified at the time of purchase as investment securities held to maturity if it is management&amp;#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&amp;#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&amp;#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&amp;#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&amp;#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&amp;#39;s performance, the creditworthiness of the issuer and the Company&amp;#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentPolicyTextBlock>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock id="InvestmentsClassifiedByContractualMaturityDateTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="31"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U. S. AGENCY&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U.S. AGENCY MORTGAGE-&lt;br /&gt; BACKED SECURITIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;CORPORATE BONDS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.42&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,840&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.30&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.18&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,603&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,603&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.42&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;131,425&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.94&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;145,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.91&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,918&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,134&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;16,127&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,404&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,404&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,197&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,197&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U.S. AGENCY MORTGAGE-BACKED SECURITIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;CORPORATE BONDS AND OTHER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL INVESTMENT SECURITIES HELD TO MATURITY&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.46%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.46%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.65&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;995&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,313&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.69&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.65&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,405&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.17&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.18&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,008&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,370&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock id="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 3. INVESTMENT SECURITIES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The cost basis and fair values of investment securities are summarized as follows:&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;131,425&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,320&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(10)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;145,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;578&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Taxable municipal&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,995&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55&lt;/strong&gt;)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,954&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;598&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,689&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;48&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 165,484&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 176,173&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,785&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,280&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;643&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,923&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,280&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 643&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,914&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Maintaining investment quality is a primary objective of the Company&amp;#39;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&amp;#39;s Investors Service or Standard &amp;amp; Poor&amp;#39;s rating of A. At December 31, 2012, 92.2% of the portfolio was rated AAA as compared to 98.4% at December 31, 2011. 1.3% of the portfolio was rated below A or unrated on December 31, 2012. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&amp;#39; equity at December 31, 2012.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $94,206,000 at December 31, 2012 and $83,235,000 at December 31, 2011.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company realized $12,000 of gross investment security gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011, and $157,000 of gross investment gains and no investment security losses in 2010. On a net basis, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000, and the realized gain for 2010 was $104,000, after factoring the tax expense of $53,000. Proceeds from sales of investment securities available for sale were $4.2 million for 2012, $16.5 million for 2011, and $2.7 million during 2010.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2012. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&amp;#39;s consolidated investment securities portfolio had a modified duration of approximately 1.73 years. The weighted average expected maturity for available for sale securities at December 31, 2012 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate bond securities was 4.29, 2.81 and 3.92 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2012 for U.S. Agency Mortgage-Backed and Corporate bonds and other securities were 3.10 and 4.88 years.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="31"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U. S. AGENCY&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U.S. AGENCY MORTGAGE-&lt;br /&gt; BACKED SECURITIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;CORPORATE BONDS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.42&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,840&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.30&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.18&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,603&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,603&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;58,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.42&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;131,425&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.94&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;145,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.91&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,918&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,134&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;16,127&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,404&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,404&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,197&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,197&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;U.S. AGENCY MORTGAGE-BACKED SECURITIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;CORPORATE BONDS AND OTHER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL INVESTMENT SECURITIES HELD TO MATURITY&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.46%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.46%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.65&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;995&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,313&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.69&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.65&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,405&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.17&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.18&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Within 1 year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Over 15 years&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,008&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,370&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,140&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;349&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,489&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(10)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,031&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(118)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;349&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,380&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(35)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(20)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,946&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(35)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(20)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,946&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2011 (in thousands):&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,161&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,161&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,774&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,774&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 13 positions that are considered temporarily impaired at December 31, 2012. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4114.3756.136.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4501.3756.136.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4501.33864.1287.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.33864.1287.0.0.0.0" unitRef="USD" decimals="-3">13100000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">24424000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">22616000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">21602000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2368000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2394000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2333000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LeasesOfLesseeDisclosureTextBlock id="LeasesOfLesseeDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 15. LEASE COMMITMENTS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s obligation for future minimum lease payments on operating leases at December 31, 2012, is as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FUTURE MINIMUM LEASE PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;760&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;564&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;556&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;498&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;383&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2018 and thereafter&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,975&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $785,000, $665,000 and $502,000, in 2012, 2011, and 2010, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LeasesOfLesseeDisclosureTextBlock>
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  <us-gaap:LifeSettlementContractsPolicy id="LifeSettlementContractsPolicy.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; BANK-OWNED LIFE INSURANCE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LifeSettlementContractsPolicy>
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  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4501.1117.2176.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1117.2176.0.0.0.0" unitRef="USD" decimals="-3">17420000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="LoansAndLeasesReceivableNetReportedAmount.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">649114000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="LoansAndLeasesReceivableNetReportedAmount.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">708594000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy id="LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOAN FEES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
  <us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans id="LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.0078</us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans>
  <us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans id="LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0.01</us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans>
  <us-gaap:LoansAndLeasesReceivableRelatedParties id="LoansAndLeasesReceivableRelatedParties.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">612000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansAndLeasesReceivableRelatedParties id="LoansAndLeasesReceivableRelatedParties.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4114.857.1941.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">7110000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4501.857.1941.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">10576000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7195000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10722000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4501.2024.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2024.1894.0.0.0.0" unitRef="USD" decimals="-3">10722000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleMortgages id="LoansHeldForSaleMortgages.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7110000</us-gaap:LoansHeldForSaleMortgages>
  <us-gaap:LoansHeldForSaleMortgages id="LoansHeldForSaleMortgages.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10576000</us-gaap:LoansHeldForSaleMortgages>
  <us-gaap:LoansNotesTradeAndOtherReceivablesExcludingAllowanceForCreditLossesTextBlock id="LoansNotesTradeAndOtherReceivablesExcludingAllowanceForCreditLossesTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 4. LOANS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The loan portfolio of the Company consisted of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of unearned income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loan balances at December 31, 2012 and 2011 are net of unearned income of $637,000 and $452,000, respectively. Real estate construction loans comprised 2.0% and 1.9% of total loans net of unearned income at December 31, 2012 and 2011, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2012 and 2011, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&amp;#39;s lending occurs within a 150 mile radius of the Johnstown market.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&amp;#39;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $1.0 million and $612,000 at December 31, 2012 and 2011, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesExcludingAllowanceForCreditLossesTextBlock>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4114.857.1941.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">649114000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4501.857.1941.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.857.1941.0.0.0.0" unitRef="USD" decimals="-3">708594000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">655357000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">716756000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4501.2022.1894.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2022.1894.0.0.0.0" unitRef="USD" decimals="-3">716756000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LongTermDebtTextBlock id="LongTermDebtTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 10. ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED&lt;br /&gt; JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Borrowings and advances from the FHLB consist of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Overnight&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.25%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.52&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total advances&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.47%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;28,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Overnight&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2012&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.30&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total advances&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.30&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.60&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&amp;#39;s investment in assets secured by one- to four-family residential real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2012, the Company had immediately available $307 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Guaranteed Junior Subordinated Deferrable Interest Debentures:&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $240,000 as of December 31, 2012 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2012 and 2011 was $13.1 million.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LongTermDebtTextBlock>
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  <us-gaap:PastDueFinancingReceivablesTableTextBlock id="PastDueFinancingReceivablesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;br /&gt; PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,775&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;47&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;379,834&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,545&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;960&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;213,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,240&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;303&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;741&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,284&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;16&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;49&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;713,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,256&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,928&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,701&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27"&gt;December 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 347,671&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;650&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,457&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,107&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 209,060&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,133&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;629&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;841&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,603&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,115&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 57&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 57&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 657,970&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,840&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 629&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,298&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,767&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">76688000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">58640000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">71643000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock id="PaymentsForProceedsFromFederalHomeLoanBankStock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1712000</us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock>
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  <us-gaap:PaymentsForProceedsFromOtherInvestingActivities id="PaymentsForProceedsFromOtherInvestingActivities.4498.3756.136.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
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  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">1050000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
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  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities id="PaymentsToAcquireAvailableForSaleSecurities.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">4044000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
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  <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt id="PaymentsToAcquireAvailableForSaleSecuritiesDebt.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">85352000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt id="PaymentsToAcquireAvailableForSaleSecuritiesDebt.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">97789000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4987000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6576000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1123000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17492000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8500000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3845000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2647000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1666000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2762000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock id="PensionAndOtherPostretirementBenefitsDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 14. EMPLOYEE BENEFIT PLANS&lt;/h2&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PENSION PLANS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&amp;#39;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company executed this change to help reduce its rising pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $626,000 and is limited to 10% of the plan&amp;#39;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2012.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PENSION BENEFITS:&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CHANGE IN BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit obligation at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;25,709&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,337&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,593&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,335&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,234&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,198&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Actuarial loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,882&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,385&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefits paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,574)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,546&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit obligation at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;29,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 25,709&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CHANGE IN PLAN ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of plan assets at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;18,180&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17,749&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Actual return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,162&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (123&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Employer contributions&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,600&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefits paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,574)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,546&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of plan assets at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,180&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Funded status of the plan - under funded&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8,476)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7,529&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amounts recognized in accumulated other comprehensive loss consists of:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Transition asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8&lt;/strong&gt;)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Prior service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(38)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(58&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net actuarial loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,315&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,033&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,950&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ACCUMULATED BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accumulated benefit obligation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,662&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The weighted-average assumptions used to determine benefit obligations at December 31, 2012 and 2011 were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Discount rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.75&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Salary scale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,593&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,335&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,097&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,234&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,198&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,186&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,656)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,582&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,467&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amortization of prior year service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;7&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amortization of transition asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(17)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized net actuarial loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,094&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 800&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 706&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net periodic pension cost&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,229&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,741&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,520&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,376&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,090&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,895&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,094)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (800&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (705&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized prior service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(7&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized net initial asset&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total recognized in other comprehensive income (loss) before tax effect&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,300&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,192&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total recognized in net benefit cost and other comprehensive income (loss) before tax effect&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,547&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,041&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,712&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The estimated net loss, prior service cost and transition asset for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,363,000, $(20,000), and ($8,000), respectively.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2012, 2011 and 2010 were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Discount rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.75%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.75&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Rate of compensation increase&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.50&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&amp;#39;s historical investment performance over a longer-term period of 15 years combined with the plan&amp;#39;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PLAN ASSETS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The plan&amp;#39;s measurement date is December 31, 2012. This plan&amp;#39;s asset allocations at December 31, 2012 and 2011, by asset category are as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ASSET CATEGORY:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Domestic equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;19&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;63&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;71&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; International equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;100%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 100&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The major categories of assets in the Company&amp;#39;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Level 1:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Domestic equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,731&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,402&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; International equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;336&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,566&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,918&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Level 2:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,860&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total fair value of plan assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,180&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate 40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2012, 2.9% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company presently expects that the contribution to be made to the Plan in 2013 will be approximately $2.5 million.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; ESTIMATED FUTURE BENEFIT PAYMENTS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following benefit payments, which reflect future service, as appropriate, are expected to be paid.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ESTIMATED FUTURE BENEFIT PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,243&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,338&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,142&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,555&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Years 2018 - 2022&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,347&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; 401(k) PLAN:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Contributions by the Company charged to operations were $277,000 and $229,000 for the years ended December 31, 2012 and 2011, respectively. The fair value of plan assets includes $914,000 pertaining to the value of the Company&amp;#39;s common stock and Trust Preferred securities that are held by the plan at December 31, 2012.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
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  <us-gaap:PreferredStockSharesOutstanding id="PreferredStockSharesOutstanding.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UShares" decimals="0">21000</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockTextBlock id="PreferredStockTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 17. PREFERRED STOCK&lt;/h2&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; SBLF:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of "qualified small business lending" ("QSBL") by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the "Baseline") as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-top; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="384"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom" rowspan="2"&gt;&lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" rowspan="2"&gt;ANNUALIZED&lt;br /&gt; DIVIDEND RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; BEGINNING&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; ENDING&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;August 11, 2011&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2011&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2012&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2013&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2014&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 7, 2016&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 7.0%&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 8, 2016&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;Redemption&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;9.0%&lt;sup&gt;(2)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of December 31, 2012, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. This 1% rate will continue at least through the second quarter of 2013.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the "Tier 1 Dividend Threshold"). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; TARP CPP:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On October 3, 2008, the Emergency Economic Stabilization Act of 2008 (initially introduced as the Troubled Asset Relief Program or TARP) was enacted. On October 14, 2008, the US Treasury announced its intention to inject capital into financial institutions under the TARP Capital Purchase Program (the CPP). The CPP was a voluntary program designed to provide capital to healthy well managed financial institutions in order to increase the availability of credit to businesses and individuals and help stabilize the US financial system.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On December 19, 2008, the Company sold to the US Treasury for an aggregate purchase price of $21 million in cash 21,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series D. In conjunction with the purchase of these senior preferred shares, the US Treasury also received a warrant to purchase up to 1,312,500 shares of the Company&amp;#39;s common stock. The warrant had a term of 10 years and was exercisable at any time, in whole or in part, at an exercise price of $2.40 per share. The $21 million in proceeds was allocated to the Series D Preferred Stock and the warrant based on their relative fair values at issuance (approximately $20.4 million was allocated to the Series D Preferred Stock and approximately $600,000 to the warrant). The difference between the initial value allocated to the Series D Preferred Stock of approximately $20.4 million and the liquidation value of $21 million was charged to retained earnings over the first five years of the contract. Cumulative dividends on Series D Preferred Stock were payable quarterly at 5% through December 19, 2013 and at a rate of 9% thereafter. The Company redeemed all of the shares of the Series D Preferred Stock on August 11, 2011 and repurchased the warrant from the US Treasury for $825,000 during 2011. As such, the Company has formally concluded its participation in the TARP CPP program.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PreferredStockTextBlock>
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  <us-gaap:ProceedsFromSaleOfForeclosedAssets id="ProceedsFromSaleOfForeclosedAssets.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">160000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <us-gaap:ProceedsFromSaleOfForeclosedAssets id="ProceedsFromSaleOfForeclosedAssets.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">743000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <us-gaap:ProceedsFromSaleOfForeclosedAssets id="ProceedsFromSaleOfForeclosedAssets.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1300000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8500000</us-gaap:ProceedsFromSaleOfLoansHeldForInvestment>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000000</us-gaap:ProceedsFromSaleOfLoansHeldForInvestment>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4499.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">74354000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">59747000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">68986000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3870000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3875000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4363000</us-gaap:ProfessionalFees>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock id="PropertyPlantAndEquipmentDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 7. PREMISES AND EQUIPMENT&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; An analysis of premises and equipment follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Land&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,208&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,208&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Premises&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;24,430&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,534&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Furniture and equipment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,572&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,941&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Leasehold improvements&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;690&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 516&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total at cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33,900&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,199&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Less: Accumulated depreciation and amortization&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,525&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net book value&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,798&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,674&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company recorded depreciation expense of $1.5 million for each of the years 2012, 2011 and 2010, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4114.2900.4117.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.2900.4117.0.0.0.0" unitRef="USD" decimals="-3">1208000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4501.2900.4117.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2900.4117.0.0.0.0" unitRef="USD" decimals="-3">1208000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4114.706.4117.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.706.4117.0.0.0.0" unitRef="USD" decimals="-3">23534000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4501.706.4117.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.706.4117.0.0.0.0" unitRef="USD" decimals="-3">24430000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4114.3180.4117.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.3180.4117.0.0.0.0" unitRef="USD" decimals="-3">6941000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4501.3180.4117.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3180.4117.0.0.0.0" unitRef="USD" decimals="-3">7572000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4114.2905.4117.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.2905.4117.0.0.0.0" unitRef="USD" decimals="-3">516000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4501.2905.4117.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.2905.4117.0.0.0.0" unitRef="USD" decimals="-3">690000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32199000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">33900000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentNet id="PropertyPlantAndEquipmentNet.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10674000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet id="PropertyPlantAndEquipmentNet.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11798000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock id="PropertyPlantAndEquipmentPolicyTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PREMISES AND EQUIPMENT:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <us-gaap:PropertyPlantAndEquipmentTextBlock id="PropertyPlantAndEquipmentTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Land&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,208&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,208&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Premises&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;24,430&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,534&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Furniture and equipment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,572&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,941&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Leasehold improvements&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;690&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 516&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total at cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33,900&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,199&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Less: Accumulated depreciation and amortization&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,525&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net book value&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,798&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,674&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife id="PropertyPlantAndEquipmentUsefulLife.4115.706.4117.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.706.4117.0.0.0.0">P30Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife id="PropertyPlantAndEquipmentUsefulLife.4115.1755.4117.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1755.4117.0.0.0.0">P10Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ProvisionForLoanAndLeaseLosses.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-775000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ProvisionForLoanAndLeaseLosses.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3575000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses id="ProvisionForLoanAndLeaseLosses.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5250000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-775000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3575000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5250000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.1018.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">438000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.1018.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1018.2176.0.0.0.0" unitRef="USD" decimals="-3">-1364000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.1015.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">-1053000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.1015.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1015.2176.0.0.0.0" unitRef="USD" decimals="-3">-1948000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.4399.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.4399.2176.0.0.0.0" unitRef="USD" decimals="-3">365000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.4399.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.4399.2176.0.0.0.0" unitRef="USD" decimals="-3">185000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.1117.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.1117.2176.0.0.0.0" unitRef="USD" decimals="-3">129000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.1117.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.1117.2176.0.0.0.0" unitRef="USD" decimals="-3">12000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4115.5193.2176.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.5193.2176.0.0.0.0" unitRef="USD" decimals="-3">-654000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4498.5193.2176.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.5193.2176.0.0.0.0" unitRef="USD" decimals="-3">-460000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
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  <us-gaap:QuarterlyFinancialInformationTextBlock id="QuarterlyFinancialInformationTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 25. SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;2012 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,878&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,030&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,124&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,888&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,964&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,082&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,142&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,921&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,058&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;550&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(200)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(500)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(625)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,532&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,342&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,421&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,683&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,887&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,649&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,733&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,674&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,373&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,087&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,067&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,114&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,046&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,087&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,243&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;311&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;597&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;655&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;678&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,432&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,565&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;2011 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,492&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,530&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,596&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,233&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,374&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,444&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,630&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,113&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,118&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,086&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,966&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,250&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (550&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,175&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (600&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,363&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,668&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,261&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,566&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,486&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,524&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,454&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,105&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,359&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,882&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,877&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,919&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,490&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,310&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,838&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,752&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 720&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 744&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 900&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 489&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,770&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,566&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,938&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,263&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.07&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.08&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.07&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.08&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
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  <us-gaap:ReceivablesFairValueDisclosure id="ReceivablesFairValueDisclosure.4501.1953.1887.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.1953.1887.0.0.0.0" unitRef="USD" decimals="-3">3220000</us-gaap:ReceivablesFairValueDisclosure>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 23. REGULATORY CAPITAL&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&amp;#39;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&amp;#39;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. 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 the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2012 and 2011, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&amp;#39;s tangible common equity ratio was 7.78% and 8.15% for 2012 and 2011, respectively.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AS OF DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;122,583&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15.92%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,588&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;76,985&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;101,786&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13.34&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,060&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;76,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;112,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14.67&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,794&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;46,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;92,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12.08&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,530&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;45,795&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;112,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;39,474&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;49,343&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;92,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;38,616&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;48,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AS OF DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 120,315&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17.60&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 54,702&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 68,377&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 101,406&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14.96&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 54,231&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 67,789&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 16.33&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 27,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 41,026&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 92,847&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13.70&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 27,116&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 40,673&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 11.66&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 38,317&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 47,896&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 92,847&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9.90&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 37,498&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 46,872&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14000000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5750000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">50054000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfOtherShortTermDebt id="RepaymentsOfOtherShortTermDebt.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">105000</us-gaap:RepaymentsOfOtherShortTermDebt>
  <us-gaap:RepaymentsOfOtherShortTermDebt id="RepaymentsOfOtherShortTermDebt.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-11215000</us-gaap:RepaymentsOfOtherShortTermDebt>
  <us-gaap:RepaymentsOfOtherShortTermDebt id="RepaymentsOfOtherShortTermDebt.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">21225000</us-gaap:RepaymentsOfOtherShortTermDebt>
  <us-gaap:RestrictedCashAndCashEquivalents id="RestrictedCashAndCashEquivalents.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="RestrictedCashAndCashEquivalents.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">0</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RetainedEarningsAccumulatedDeficit id="RetainedEarningsAccumulatedDeficit.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18928000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit id="RetainedEarningsAccumulatedDeficit.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">23139000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2355000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2329000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">2362000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueRecognitionServicesManagementFees id="RevenueRecognitionServicesManagementFees.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; TRUST FEES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RevenueRecognitionServicesManagementFees>
  <us-gaap:Revenues id="Revenues.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">11371000</us-gaap:Revenues>
  <us-gaap:Revenues id="Revenues.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">5864000</us-gaap:Revenues>
  <us-gaap:Revenues id="Revenues.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">3066000</us-gaap:Revenues>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock id="ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The loan portfolio of the Company consisted of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;102,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 83,124&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;383,339&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 349,778&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;217,584&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 212,663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17,420&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,172&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans, net of unearned income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;721,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 663,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock id="ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ACCUMULATED BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Accumulated benefit obligation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;26,662&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,016&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock>
  <us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock id="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Pension obligation for defined benefit plan&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(9,520&lt;/strong&gt;)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (8,116&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized holding gains on available for sale securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,141&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,456&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total accumulated other comprehensive loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,379)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,660&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock id="ScheduleOfAllocationOfPlanAssetsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ASSET CATEGORY:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Domestic equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;19&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;63&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;71&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; International equities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;100%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 100&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock id="ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amounts recognized in accumulated other comprehensive loss consists of:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Transition asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8&lt;/strong&gt;)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Prior service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(38)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(58&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net actuarial loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,315&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,033&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,950&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock>
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AS OF DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;122,583&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15.92%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,588&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;76,985&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;101,786&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13.34&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;61,060&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;76,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;112,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14.67&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,794&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;46,191&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;92,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12.08&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30,530&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;45,795&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;112,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11.44&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;39,474&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;49,343&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;92,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;38,616&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;48,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;AS OF DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 120,315&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17.60&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 54,702&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 68,377&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 101,406&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14.96&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 54,231&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 67,789&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 16.33&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 27,351&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 41,026&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 92,847&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13.70&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 27,116&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 40,673&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Consolidated&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111,683&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 11.66&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 38,317&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 47,896&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 92,847&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9.90&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 37,498&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 46,872&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock id="ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Current&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;140&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;95&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;206&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Deferred&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,101&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,758&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (126&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock id="ScheduleOfCondensedBalanceSheetTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; ASSETS&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Short-term investments in money market funds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,430&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Investment securities available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,534&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 11,269&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity investment in banking subsidiary&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;99,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 103,010&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity investment in non-banking subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,888&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;240&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;256&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,713&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,604&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL ASSETS&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;123,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 126,557&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; LIABILITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Guaranteed junior subordinated deferrable interest debentures&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,085&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other liabilities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;257&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,120&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL LIABILITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,342&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 14,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; STOCKHOLDERS&amp;#39; EQUITY&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total stockholders&amp;#39; equity&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;110,468&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 112,352&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL LIABILITIES AND STOCKHOLDERS&amp;#39; EQUITY&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;123,810&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 126,557&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock id="ScheduleOfCondensedCashFlowStatementTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; OPERATING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Adjustment to reconcile net income to net cash provided by (used in) operating activities:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,080&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,901&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,477&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Stock compensation expense&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;38&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;61&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other&amp;nbsp;-&amp;nbsp;net&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(989)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (285&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (107&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,168&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,366&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,241&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INVESTING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Purchase of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,077)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,049&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,044&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Proceeds from maturity of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,809&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,942&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,050&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Capital contribution to banking subsidiary&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH PROVIDED BY INVESTING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;732&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,893&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,006&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; FINANCING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Purchase of treasury stock&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(4,417)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (582&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Warrant repurchase&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (825&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Preferred stock dividends paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(828)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,054&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,050&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET CASH USED IN FINANCING ACTIVITIES&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,245)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,461&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,050&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,655&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,798&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (285&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,530&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,732&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,017&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,530&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,732&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock>
  <us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock id="ScheduleOfCondensedIncomeStatementTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INCOME&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Inter-entity management and other fees&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,355&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,329&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,362&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Dividends from banking subsidiary&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,500&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Dividends from non-banking subsidiaries&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;710&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;620&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest and dividend income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;306&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 415&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 499&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,864&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,066&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; EXPENSE&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,121&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,121&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,394&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,333&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,582&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,477&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,529&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; TOTAL EXPENSE&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,071&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,992&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,983&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;872&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,917&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit for income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;819&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;764&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;722&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,080)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,901&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,477&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; NET INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COMPREHENSIVE INCOME&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,320&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,739&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 793&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <us-gaap:ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock id="ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;YEAR ENDED DECEMBER 31,&lt;br /&gt; 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance January 1&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,685&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,250&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recoveries on loans previously charged-off&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;461&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Loans charged-off&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (5,631&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance December 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 19,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock>
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock id="ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; DEFERRED TAX ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Allowance for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,274&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,972&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Unfunded commitment reserve&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;221&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;259&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Premises and equipment&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,626&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,468&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Accrued pension obligation&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,916&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,357&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Net operating loss carryforwards&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,883&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,300&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Alternative minimum tax credits&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,635&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,485&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 419&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total tax assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,923&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,260&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; DEFERRED TAX LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Investment accretion&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(28)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized investment security gains&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,133)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,295&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(295)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (250&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"&gt; Total tax liabilities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,456)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (2,579&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net deferred tax asset&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;11,467&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,681&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock id="ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,376&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,090&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,895&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,094)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (800&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (705&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized prior service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(7&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized net initial asset&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;17&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total recognized in other comprehensive income (loss) before tax effect&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,300&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,192&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total recognized in net benefit cost and other comprehensive income (loss) before tax effect&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,547&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,041&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,712&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock id="ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CHANGE IN BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit obligation at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;25,709&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,337&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,593&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,335&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,234&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,198&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Actuarial loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,882&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,385&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefits paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,574)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,546&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefit obligation at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;29,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 25,709&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; CHANGE IN PLAN ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of plan assets at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;18,180&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 17,749&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Actual return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,162&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (123&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Employer contributions&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,600&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Benefits paid&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,574)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,546&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of plan assets at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,180&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Funded status of the plan&amp;nbsp;-&amp;nbsp;under funded&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8,476)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7,529&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock>
  <us-gaap:ScheduleOfDerivativeInstrumentsTextBlock id="ScheduleOfDerivativeInstrumentsTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; START DATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MATURITY DATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;HEDGE&lt;br /&gt; TYPE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;NOTIONAL AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE RECEIVED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;br /&gt; PAID&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;REPRICING FREQUENCY&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INCREASE (DECREASE) IN INTEREST EXPENSE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 12/12/08&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 09/24/13&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,000,000&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.73&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; MONTHLY&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;227,088&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 12/12/08&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 09/24/13&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; FAIR VALUE&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,000,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.73&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.25&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; MONTHLY&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(227,088)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsTextBlock>
  <us-gaap:ScheduleOfDividendsPayableTextBlock id="ScheduleOfDividendsPayableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-top; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="384"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom" rowspan="2"&gt;&lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" rowspan="2"&gt;ANNUALIZED&lt;br /&gt; DIVIDEND RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; BEGINNING&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; ENDING&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;August 11, 2011&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2011&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2012&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2013&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2014&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 7, 2016&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 7.0%&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 8, 2016&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;Redemption&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;9.0%&lt;sup&gt;(2)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDividendsPayableTextBlock>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock id="ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;Twelve months ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(In thousands, except per share data)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Numerator:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Preferred stock dividends and accretion of preferred stock discount&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;828&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,385&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,161&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income available to common shareholders&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,211&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,152&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 121&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Denominator:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average common shares outstanding (basic)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,685&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,184&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,224&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Effect of stock options/warrants&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;62&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average common shares outstanding (diluted)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,747&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,226&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Earnings per common share:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Basic&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.21&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.24&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.01&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.21&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.24&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.01&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock id="ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense based on federal statutory rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,475&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;34.0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,193&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34.0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;463&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 34.0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Tax exempt income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(315)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(4.3)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (325&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3.5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (443&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (32.5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;81&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.1&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (15&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (0.1&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 60&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.4&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total expense for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;30.8%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 30.4&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5.9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock id="ScheduleOfExpectedBenefitPaymentsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;ESTIMATED FUTURE BENEFIT PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,243&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,338&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,142&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,555&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Years 2018&amp;nbsp;-&amp;nbsp;2022&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,347&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock>
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock id="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
  <us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock id="ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Overnight&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.25%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.52&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.92&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total advances&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.47%&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;28,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; MATURING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Overnight&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2012&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.30&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total advances&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.30&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,000&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.60&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,765&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock>
  <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock id="ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income due in accordance with original terms&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;231&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;376&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,086&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income recorded&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (167&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (458&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net reduction in interest income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;231&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 209&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 628&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
  <us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock id="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; YEAR:&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FUTURE MINIMUM LEASE PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2013&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;760&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2014&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;564&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2015&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;556&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2016&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;498&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2017&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;383&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; 2018 and thereafter&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,975&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
  <us-gaap:ScheduleOfGoodwillTextBlock id="ScheduleOfGoodwillTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance January 1&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,613&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,950&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Reduction from purchase price adjustment of WCCA&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 337&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance December 31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;12,613&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfGoodwillTextBlock>
  <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock id="ScheduleOfNetBenefitCostsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,593&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,335&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,097&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,234&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,198&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,186&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,656)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,582&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,467&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amortization of prior year service cost&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;7&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;15&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Amortization of transition asset&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(17)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(17&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Recognized net actuarial loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,094&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 800&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 706&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net periodic pension cost&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,229&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,741&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,520&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
  <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock id="ScheduleOfQuarterlyFinancialInformationTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;2012 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,878&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,030&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,124&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,888&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,964&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,082&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,142&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,921&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,058&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;550&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(200)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(500)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(625)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,532&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,342&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,421&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,683&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,887&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,649&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,733&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,674&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,373&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,087&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,067&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10,114&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,046&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,087&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,243&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;311&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;597&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;655&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;678&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,432&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,565&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.04&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;2011 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,346&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,492&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,530&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,596&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,233&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,374&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,444&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,630&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,113&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,118&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,086&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,966&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,250&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (550&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,175&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (600&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,363&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,668&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,261&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 8,566&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,486&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,524&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,454&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,105&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,359&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,882&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,877&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,919&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,490&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,310&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,838&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,752&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 720&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 744&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 900&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 489&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,770&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,566&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,938&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,263&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.07&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.08&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.07&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.08&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.05&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.00&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock>
  <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock id="ScheduleOfSegmentReportingInformationBySegmentTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="612"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,585&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,499&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,916)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;32,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(160)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(615)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,565&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;585&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,78&lt;/strong&gt;4&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,943&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,970&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,387&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;40,641&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,508&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,729&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,432&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,389)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,358&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,044&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;487&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,648)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,685&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;945&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(3,741)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;336,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;497,331&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,429&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;162,990&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000,991&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 20,100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,860&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;41&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,718&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,283&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (263&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,312&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,575&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,055&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;597&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (365&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,569&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,470&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,833&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,118&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,616&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 40,037&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,948&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,936&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,699&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,390&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 880&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,995&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 410&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,432&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,068&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,941&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 795&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,267&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 337,869&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 442,087&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,917&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 195,203&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 979,076&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,940&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,252&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;60&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,090&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,342&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;268&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,982&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,250&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,875&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,286&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;143&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,967&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,906&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,463&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,013&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,315&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 39,697&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,641&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;470&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;333&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,082&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,362&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 379&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (27&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (383&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,262&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 497&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 222&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (699&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 317,210&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 455,609&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,520&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,635&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 948,974&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock>
  <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock id="ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Outstanding at beginning of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;313,612&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3.02&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 257,287&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.18&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 293,609&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.23&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Granted&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;164,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.73&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 58,575&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 105,041&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.78&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Exercised&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,500)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.70&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (750&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.70&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Forfeited&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(77,982)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5.47&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,500&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1.70&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (141,363&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.31&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Outstanding at end of year&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;398,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 313,612&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.02&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 257,287&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.18&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Exercisable at end of year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;167,624&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2.29&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 179,874&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3.81&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 118,571&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4.79&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average fair value of options granted in current year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.80&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.39&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
  <us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock id="ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt;&lt;!--StartFragment--&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; BLACK-SCHOLES ASSUMPTION RANGES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Risk-free interest rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1.66&amp;nbsp;-&amp;nbsp;2.28%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 2.19&amp;nbsp;-&amp;nbsp;3.62&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 3.21&amp;nbsp;-&amp;nbsp;3.83&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected lives in years&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;10&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;10&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected volatility&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;33.26&amp;nbsp;-&amp;nbsp;35.77%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 35.03&amp;nbsp;-&amp;nbsp;35.25&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"&gt; 34.60&amp;nbsp;-&amp;nbsp;35.74&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Expected dividend rate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;0&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;!--EndFragment--&gt;&lt;/table&gt; &lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
  <us-gaap:ScheduleOfShortTermDebtTextBlock id="ScheduleOfShortTermDebtTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,755&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;117&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,225&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.34%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.20%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;49&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,167&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.32&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;OTHER SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,550&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,230&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;9&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,110&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.71&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year-end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.62&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShortTermDebtTextBlock>
  <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock id="ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;993&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,140&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;349&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,489&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(10)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,031&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(118)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;349&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,380&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(35)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(20)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,946&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;965&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(35)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,981&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(20)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,946&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2011 (in thousands):&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,161&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,161&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 613&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,774&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,774&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; -&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,991&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (9&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
  <us-gaap:SegmentReportingDisclosureTextBlock id="SegmentReportingDisclosureTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 22. SEGMENT RESULTS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&amp;#39;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The contribution of the major business segments to the Consolidated Results of Operations were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="612"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;20,585&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,499&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(2,916)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;32,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(160)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(615)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,565&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;585&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,78&lt;/strong&gt;4&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,943&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;22,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;8,970&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,387&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;40,641&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,508&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,729&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,432&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,389)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,358&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,044&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;487&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(1,648)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;2,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,150&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,685&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;945&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(3,741)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;336,241&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;497,331&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,429&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;162,990&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;1,000,991&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 20,100&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,860&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;41&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,718&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,283&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision (credit) for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (263&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,312&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,575&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,055&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;597&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (365&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,569&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,470&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,833&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,118&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,616&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 40,037&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,948&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,936&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,205&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (4,699&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,390&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 880&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,995&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 410&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,432&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,853&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,068&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,941&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 795&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,267&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 337,869&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 442,087&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,917&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 195,203&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 979,076&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 18,940&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 12,252&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;60&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,090&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 32,342&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Provision for loan loss&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;268&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,982&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,250&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,875&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;663&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,286&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;143&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 13,967&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Non-interest expense&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 23,906&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 7,463&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,013&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,315&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 39,697&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,641&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;470&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;333&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (1,082&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,362&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 379&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (27&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 111&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (383&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 80&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income (loss)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,262&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 497&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 222&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (699&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total assets&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 317,210&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 455,609&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,520&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,635&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 948,974&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4115.3756.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">38000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4498.3756.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4499.3756.136.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.3756.136.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 id="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="1">0.8</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="2">0.51</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="2">0.39</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0" unitRef="UPure" decimals="2">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.4502.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4502.0.0.0.0.0.0.0" unitRef="UShares" decimals="0">118571</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPerShare" decimals="2">2.29</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4114.3248.4187.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.3248.4187.0.0.0.0" unitRef="UPerShare" decimals="2">2.07</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4501.3248.4187.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.3248.4187.0.0.0.0" unitRef="UPerShare" decimals="1">2.8</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
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SHORT-TERM BORROWINGS&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;15,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,755&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;117&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,225&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.34%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.20%&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 15,765&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;49&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,167&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.32&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.34&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31, 2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;OTHER SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,550&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 9,230&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average balance during year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;9&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,110&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.51&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.71&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; %&lt;!-- PERCENT --&gt; &lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Interest rate on year-end balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.62&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at the end of 2012 and three days at the end of both 2011 and 2010.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ShortTermDebtTextBlock>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4114.33849.4895.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.33849.4895.0.0.0.0" unitRef="UPure" decimals="4">0.0034</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4501.33849.4895.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.33849.4895.0.0.0.0" unitRef="UPure" decimals="4">0.0025</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4502.33849.4895.0.0.0.0" contextRef="as-of-2010-12-31.4502.0.33849.4895.0.0.0.0" unitRef="UPure" decimals="4">0.0062</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:SignificantAccountingPoliciesTextBlock id="SignificantAccountingPoliciesTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"&gt; 1.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/h2&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; BUSINESS AND NATURE OF OPERATIONS:&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.5 billion that are not recognized on the Company&amp;#39;s Balance Sheet at December 31, 2012.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PRINCIPLES OF CONSOLIDATION:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&amp;#39;s most significant estimates are the allowance for loan losses, goodwill, income taxes and on investment securities.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INVESTMENT SECURITIES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Securities are classified at the time of purchase as investment securities held to maturity if it is management&amp;#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&amp;#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&amp;#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&amp;#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&amp;#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&amp;#39;s performance, the creditworthiness of the issuer and the Company&amp;#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; FEDERAL HOME LOAN BANK STOCK:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&amp;#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOANS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOAN FEES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; LOANS HELD FOR SALE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&amp;#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; PREMISES AND EQUIPMENT:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/p&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $250,000 ($100,000 for loans classified as doubtful or worse) to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans is based on careful analysis of the loan&amp;#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&amp;#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 20px"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company&amp;#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated 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. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; TRUST FEES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; BANK-OWNED LIFE INSURANCE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INTANGIBLE ASSETS:&lt;/h5&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Goodwill&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&amp;#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; EARNINGS PER COMMON SHARE:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 49,842, 185,917, and 1,467,142 shares of common stock were outstanding during 2012, 2011 and 2010, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $2.80&amp;nbsp;-&amp;nbsp;$5.75, $2.07&amp;nbsp;-&amp;nbsp;$6.10, and $1.73&amp;nbsp;-&amp;nbsp;$6.10 during 2012, 2011 and 2010, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11"&gt;Twelve months ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2010&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(In thousands, except per share data)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Numerator:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,039&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,537&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,282&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Preferred stock dividends and accretion of preferred stock discount&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;828&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,385&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,161&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Net income available to common shareholders&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,211&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 5,152&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 121&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Denominator:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average common shares outstanding (basic)&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,685&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,184&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,224&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Effect of stock options/warrants&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;62&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Weighted average common shares outstanding (diluted)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;19,747&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,205&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 21,226&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Earnings per common share:&lt;br /&gt; &lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Basic&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.21&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.24&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.01&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"&gt; Diluted&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;0.21&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.24&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 0.01&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; STOCK-BASED COMPENSATION:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $38,000, $15,000 and $18,000 of pretax compensation expense for the year 2012, 2011 and 2010. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model with the following assumptions used for the grants: risk-free interest rates ranging from 1.66% to 3.83%; expected lives of 10 years; expected volatility ranging from 33.26% to 35.77% and expected dividend yields of 0%.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; ACCUMULATED OTHER COMPREHENSIVE LOSS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table sets forth the components of accumulated other comprehensive loss, net of tax:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Pension obligation for defined benefit plan&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(9,520&lt;/strong&gt;)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (8,116&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Unrealized holding gains on available for sale securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;4,141&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 4,456&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total accumulated other comprehensive loss&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(5,379)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (3,660&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $142,000 in income tax payments in 2012; $97,000 in 2011; and $174,000 in 2010. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $1,266,000 in 2012; $169,000 in 2011; and $788,000 in 2010. The Company made total interest payments of $8,154,000 in 2012; $10,699,000 in 2011; and $13,084,000 in 2010.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INCOME TAXES:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; INTEREST RATE CONTRACTS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The Company typically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/p&gt; &lt;h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; RECENT ACCOUNTING STANDARDS:&lt;/h5&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In July, 2012, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2012-02, &lt;em&gt;Intangibles&amp;nbsp;-&amp;nbsp;Goodwill and Other (Topic 350)&amp;nbsp;-&amp;nbsp;Testing Indefinite-Lived Intangible Assets for Impairment&lt;/em&gt;. ASU 2012-02 give entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If, under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012 (early adoption permitted). This ASU did not have a significant impact on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; In February 2013, the FASB issued ASU 2013-02, &lt;em&gt;Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income&lt;/em&gt;. The amendments in this Update require an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. Early adoption is permitted. The Company is currently evaluating the impact that these disclosures will have on its financial statements.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
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  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4501.34196.136.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.34196.136.0.0.0.0" unitRef="UPure" decimals="4">0.1208</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.1633</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="UPure" decimals="4">0.1467</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TimeDepositMaturitiesAfterYearFive id="TimeDepositMaturitiesAfterYearFive.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">44907000</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:TimeDepositMaturitiesYearFive id="TimeDepositMaturitiesYearFive.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10125000</us-gaap:TimeDepositMaturitiesYearFive>
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  <us-gaap:TimeDepositMaturitiesYearThree id="TimeDepositMaturitiesYearThree.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">29222000</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearTwo id="TimeDepositMaturitiesYearTwo.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35120000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDeposits id="TimeDeposits.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">280393000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits100000OrMore id="TimeDeposits100000OrMore.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">43762000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDeposits100000OrMore id="TimeDeposits100000OrMore.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35339000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDepositsLessThan100000 id="TimeDepositsLessThan100000.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">289799000</us-gaap:TimeDepositsLessThan100000>
  <us-gaap:TimeDepositsLessThan100000 id="TimeDepositsLessThan100000.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">280393000</us-gaap:TimeDepositsLessThan100000>
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  <us-gaap:TransferOfOtherRealEstate id="TransferOfOtherRealEstate.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">169000</us-gaap:TransferOfOtherRealEstate>
  <us-gaap:TransferOfOtherRealEstate id="TransferOfOtherRealEstate.4499.0.0.0.0.0.0" contextRef="from-2010-01-01-to-2010-12-31.4499.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">788000</us-gaap:TransferOfOtherRealEstate>
  <us-gaap:TreasuryStockShares id="TreasuryStockShares.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="UShares" decimals="0">5476019</us-gaap:TreasuryStockShares>
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  <us-gaap:TreasuryStockSharesAcquired id="TreasuryStockSharesAcquired.4498.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.0.0.0.0.0.0" unitRef="UShares" decimals="0">287400</us-gaap:TreasuryStockSharesAcquired>
  <us-gaap:TreasuryStockValue id="TreasuryStockValue.4114.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4114.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">69241000</us-gaap:TreasuryStockValue>
  <us-gaap:TreasuryStockValue id="TreasuryStockValue.4501.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4501.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">73658000</us-gaap:TreasuryStockValue>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4115.5154.4957.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.5154.4957.0.0.0.0" unitRef="USD" decimals="-3">4417000</us-gaap:TreasuryStockValueAcquiredCostMethod>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4498.5154.4957.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4498.0.5154.4957.0.0.0.0" unitRef="USD" decimals="-3">582000</us-gaap:TreasuryStockValueAcquiredCostMethod>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4499.5154.4957.0.0.0.0" xsi:nil="true" contextRef="from-2010-01-01-to-2010-12-31.4499.0.5154.4957.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock id="TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;4&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 3,772&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;169&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Consumer&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;1&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;13&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2011 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;5&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 2,870&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; The following table details the TDRs at December 31, 2010 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 1,337&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <us-gaap:UnrealizedGainLossOnInvestmentsTableTextBlock id="UnrealizedGainLossOnInvestmentsTableTextBlock.4115.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4115.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,848&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(7)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;5,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(103)&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;7,892&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;131,425&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,320&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(10)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;137,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;145,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6,393&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;151,538&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,318&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;578&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;9,896&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Taxable municipal&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;410&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;6&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;416&lt;/strong&gt;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,995&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55&lt;/strong&gt;)&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;3,954&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;13,723&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;598&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;(55)&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; &lt;strong&gt;14,266&lt;/strong&gt;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,689&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;48&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt;(28&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 10,709&lt;/td&gt; &lt;td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 165,484&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,737&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (7&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 172,214&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: #ccffcc"&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"&gt; Total&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 176,173&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 6,785&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; (35&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"&gt; 182,923&lt;/td&gt; &lt;td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="TEXT-ALIGN: center; 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        <link:definition>323 - Disclosure - REGULATORY CAPITAL (Tables)</link:definition>
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        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>40102 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)</link:definition>
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  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="CorporateBondsAndOtherSecuritiesMember" id="asrv_CorporateBondsAndOtherSecuritiesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" id="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" id="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="DefinedBenefitPlanVestingPeriod" id="asrv_DefinedBenefitPlanVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" id="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" id="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="DepositsWithNoStatedMaturitiesFairValueDisclosure" id="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DepositsWithStatedMaturitiesFairValueDisclosure" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" id="asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="DividendReinvestmentAndCommonStockPurchasePlanAbstract" id="asrv_DividendReinvestmentAndCommonStockPurchasePlanAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="DividendReinvestmentAndCommonStockPurchasePlanTextBlock" id="asrv_DividendReinvestmentAndCommonStockPurchasePlanTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="DocumentAndEntityInformationAbstract" id="asrv_DocumentAndEntityInformationAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="EarningOnBankOwnedLifeInsurance" id="asrv_EarningOnBankOwnedLifeInsurance" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FederalHomeLoanBankPrepaymentPenalties" id="asrv_FederalHomeLoanBankPrepaymentPenalties" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FederalHomeLoanBankStockPolicyPolicyTextBlock" id="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" id="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" id="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FinancingReceivableInformationLineItems" id="asrv_FinancingReceivableInformationLineItems" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="FinancingReceivableMinimumPercentRequiredToBeReviewed" id="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="FinancingReceivableStatusAxis" id="asrv_FinancingReceivableStatusAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="FinancingReceivableStatusDomain" id="asrv_FinancingReceivableStatusDomain" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" id="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" id="asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYield" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesWeightedAverageMaturityTerm" id="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="IncomeLossFromSubsidiariesNetOfTax" id="asrv_IncomeLossFromSubsidiariesNetOfTax" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestAndFeeIncomeLoansAndLeasesTaxable" id="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestAndFeeIncomeLoansAndLeasesTaxExempt" id="asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" id="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestRateSwapOneMember" id="asrv_InterestRateSwapOneMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InterestRateSwapTwoMember" id="asrv_InterestRateSwapTwoMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InternationalEquitySecuritiesMember" id="asrv_InternationalEquitySecuritiesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InvestmentParentMember" id="asrv_InvestmentParentMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" id="asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="LossContingencyTermOfCommitment" id="asrv_LossContingencyTermOfCommitment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="MaximumNotionalAmountOfDerivativesOutstanding" id="asrv_MaximumNotionalAmountOfDerivativesOutstanding" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="MinimumPercentageTierOneCapitalToBeMaintained" id="asrv_MinimumPercentageTierOneCapitalToBeMaintained" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="NonAccrualStatusMember" id="asrv_NonAccrualStatusMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="NonBankingSubsidiariesMember" id="asrv_NonBankingSubsidiariesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="NonPerformingAssetsIncludingTroubleDebtRestructurings" id="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="NonPerformingAssetsTextBlock" id="asrv_NonPerformingAssetsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" id="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType" />
  <xsd:element name="NumberOfCountiesInWhichEntityOperates" id="asrv_NumberOfCountiesInWhichEntityOperates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType" />
  <xsd:element name="OtherSecuritiesMember" id="asrv_OtherSecuritiesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PercentageOfInvestmentSecuritiesPortfolioRated" id="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="PercentageOfLendingIncentiveFeePayable" id="asrv_PercentageOfLendingIncentiveFeePayable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="PeriodAxis" id="asrv_PeriodAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="PeriodDomain" id="asrv_PeriodDomain" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PeriodFourMember" id="asrv_PeriodFourMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PeriodOneMember" id="asrv_PeriodOneMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PeriodThreeMember" id="asrv_PeriodThreeMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PeriodTwoMember" id="asrv_PeriodTwoMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PreferredStockDividendAnnualizationBeginDate" id="asrv_PreferredStockDividendAnnualizationBeginDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:dateItemType" />
  <xsd:element name="PreferredStockDividendAnnualizationEndDate" id="asrv_PreferredStockDividendAnnualizationEndDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:dateItemType" />
  <xsd:element name="PreferredStockRedemptionPricePercentage" id="asrv_PreferredStockRedemptionPricePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="RangeOneMember" id="asrv_RangeOneMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="RangeTwoMember" id="asrv_RangeTwoMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="RealEstateConstructionLoansPercentage" id="asrv_RealEstateConstructionLoansPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="RegulatoryCapitalAbstract" id="asrv_RegulatoryCapitalAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="RepurchaseOfWarrantsShares" id="asrv_RepurchaseOfWarrantsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" />
  <xsd:element name="RetailBankingMember" id="asrv_RetailBankingMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfChangesInDeferredTaxesTableTextBlock" id="asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock" id="asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfDepositLiabilitiesTableTextBlock" id="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfFairValueOfPlanAssetsTableTextBlock" id="asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock" id="asrv_ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" id="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" id="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" id="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" id="asrv_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" />
  <xsd:element name="ShortTermDebtExcludingFederalFundsPurchasedMember" id="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ShortTermDebtInstrumentWeightedAverageTerm" id="asrv_ShortTermDebtInstrumentWeightedAverageTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="SmallBusinessLoansMember" id="asrv_SmallBusinessLoansMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="StockPurchasePlanOptionalAmountOfCashPayment" id="asrv_StockPurchasePlanOptionalAmountOfCashPayment" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" id="asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="TrustMember" id="asrv_TrustMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="UnobservableInputApparaisalAdjustmentsMember" id="asrv_UnobservableInputApparaisalAdjustmentsMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="UnobservableInputLiquidationExpensesMember" id="asrv_UnobservableInputLiquidationExpensesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="WarrantIssuedToUSTreasuryMember" id="asrv_WarrantIssuedToUSTreasuryMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="WarrantRepurchase" id="asrv_WarrantRepurchase" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="WestChesterCapitalAdvisorsMember" id="asrv_WestChesterCapitalAdvisorsMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>asrv-20121231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings-->
<!--produced on 2013-03-07 @ 11:21 AM-->
<link:linkbase xmlns:asrv="http://ameriservfinancial.com/20121231" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" 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:link="http://www.xbrl.org/2003/linkbase">
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:href="asrv-20121231.xsd#arsv-cobs" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DocumentAndEntityInformation" xlink:href="asrv-20121231.xsd#asrv-daei" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:href="asrv-20121231.xsd#asrv-cbsp" xlink:type="simple" />
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>13
<FILENAME>asrv-20121231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
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<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings-->
<!--produced on 2013-03-07 @ 11:21 AM-->
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    <link:loc xlink:label="loc_AvailableForSaleSecurities.5963.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.5963.11.6" xlink:to="lab_AvailableForSaleSecurities.1267" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecurities.1267" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecurities.1267">Available-for-sale Securities</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6040.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
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    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6040.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
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    <link:loc xlink:label="loc_BorrowedFunds.6038.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BorrowedFunds" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowedFunds.6038.11.9" xlink:to="lab_BorrowedFunds9.217800" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowedFunds9.217800" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_BorrowedFunds9.217800">Total borrowed funds</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.6" xlink:to="lab_CashAndCashEquivalentsAtCarryingValue.2187" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValue.2187" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValue.2187">Cash and Cash Equivalents, at Carrying Value</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.9" xlink:to="lab_CashAndCashEquivalentsAtCarryingValue.217781" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValue.217781" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValue.217781">Cash and cash equivalents</link:label>
    <link:loc xlink:label="loc_CashAndDueFromBanks.6584.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
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    <link:label xlink:label="lab_CashAndDueFromBanks.2239" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndDueFromBanks.2239">Cash and Due from Banks</link:label>
    <link:loc xlink:label="loc_CashAndDueFromBanks.6584.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndDueFromBanks.6584.11.7" xlink:to="lab_CashAndDueFromBanks.217779" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndDueFromBanks.217779" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndDueFromBanks.217779">Cash and due from depository institutions</link:label>
    <link:loc xlink:label="loc_CommonStockValue.6874.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockValue.6874.11.6" xlink:to="lab_CommonStockValue.2730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:label xlink:label="lab_FederalReserveBankStock.6887" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalReserveBankStock.6887">Federal Reserve Bank Stock</link:label>
    <link:loc xlink:label="loc_FederalReserveBankStock.9644.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalReserveBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalReserveBankStock.9644.11.7" xlink:to="lab_FederalReserveBankStock.217774" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalReserveBankStock.217774" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalReserveBankStock.217774">Federal Reserve Bank stock</link:label>
    <link:loc xlink:label="loc_Goodwill.10311.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10311.11.6" xlink:to="lab_Goodwill.7915" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Goodwill.7915" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Goodwill.7915">Goodwill</link:label>
    <link:loc xlink:label="loc_Goodwill.10311.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10311.11.7" xlink:to="lab_Goodwill.217789" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Goodwill.217789" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Goodwill.217789">Goodwill</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10449.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10449.11.6" xlink:to="lab_HeldToMaturitySecurities.8140" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecurities.8140" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecurities.8140">Held-to-maturity Securities</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10449.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10449.11.7" xlink:to="lab_HeldToMaturitySecurities.217782" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecurities.217782" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecurities.217782">Held to maturity (fair value $14,266 at December 31, 2012 and $12,914 at December 31, 2011)</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11333.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositLiabilities.11333.11.6" xlink:to="lab_InterestBearingDepositLiabilities.9520" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDepositLiabilities.9520" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDepositLiabilities.9520">Interest-bearing Deposit Liabilities</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11333.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositLiabilities.11333.11.7" xlink:to="lab_InterestBearingDepositLiabilities.217796" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDepositLiabilities.217796" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDepositLiabilities.217796">Interest bearing deposits</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11350.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositsInBanks.11350.11.6" xlink:to="lab_InterestBearingDepositsInBanks.9547" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDepositsInBanks.9547" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDepositsInBanks.9547">Interest-bearing Deposits in Banks and Other Financial Institutions</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11350.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositsInBanks.11350.11.7" xlink:to="lab_InterestBearingDepositsInBanks.217780" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDepositsInBanks.217780" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDepositsInBanks.217780">Interest bearing deposits</link:label>
    <link:loc xlink:label="loc_InterestReceivable.11326.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestReceivable.11326.11.6" xlink:to="lab_InterestReceivable.9512" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestReceivable.9512" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestReceivable.9512">Interest Receivable</link:label>
    <link:loc xlink:label="loc_InterestReceivable.11326.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestReceivable.11326.11.7" xlink:to="lab_InterestReceivable.217788" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestReceivable.217788" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestReceivable.217788">Accrued interest income receivable</link:label>
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.11576.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_JuniorSubordinatedNotes.11576.11.6" xlink:to="lab_JuniorSubordinatedNotes.9931" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_JuniorSubordinatedNotes.9931" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_JuniorSubordinatedNotes.9931">Junior Subordinated Notes</link:label>
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.11576.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_JuniorSubordinatedNotes.11576.11.7" xlink:to="lab_JuniorSubordinatedNotes.215549" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_JuniorSubordinatedNotes.215549" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_JuniorSubordinatedNotes.215549">Guaranteed junior subordinated deferrable interest debentures</link:label>
    <link:loc xlink:label="loc_Liabilities.11702.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Liabilities.11702.11.6" xlink:to="lab_Liabilities.10148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Liabilities.10148" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Liabilities.10148">Liabilities</link:label>
    <link:loc xlink:label="loc_Liabilities.11702.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Liabilities.11702.11.9" xlink:to="lab_Liabilities.217624" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Liabilities.217624" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_Liabilities.217624">TOTAL LIABILITIES</link:label>
    <link:loc xlink:label="loc_LiabilitiesAbstract.2930.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAbstract.2930.11.6" xlink:to="lab_LiabilitiesAbstract.10123" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LiabilitiesAbstract.10123" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LiabilitiesAbstract.10123">Liabilities [Abstract]</link:label>
    <link:loc xlink:label="loc_LiabilitiesAbstract.2930.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAbstract.2930.11.7" xlink:to="lab_LiabilitiesAbstract.217613" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LiabilitiesAbstract.217613" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LiabilitiesAbstract.217613">LIABILITIES</link:label>
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.11731.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAndStockholdersEquity.11731.11.6" xlink:to="lab_LiabilitiesAndStockholdersEquity.10196" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LiabilitiesAndStockholdersEquity.10196" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LiabilitiesAndStockholdersEquity.10196">Liabilities and Equity</link:label>
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.11731.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAndStockholdersEquity.11731.11.9" xlink:to="lab_LiabilitiesAndStockholdersEquity.217626" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LiabilitiesAndStockholdersEquity.217626" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_LiabilitiesAndStockholdersEquity.217626">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableAllowance.12077.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableAllowance.12077.11.6" xlink:to="lab_LoansAndLeasesReceivableAllowance.10679" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableAllowance.10679" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableAllowance.10679">Loans and Leases Receivable, Allowance</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableAllowance.12077.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableAllowance.12077.11.7" xlink:to="lab_LoansAndLeasesReceivableAllowance.217785" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableAllowance.217785" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableAllowance.217785">Allowance for loan losses</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12040.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableDeferredIncome.12040.11.6" xlink:to="lab_LoansAndLeasesReceivableDeferredIncome.10627" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableDeferredIncome.10627" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableDeferredIncome.10627">Loans and Leases Receivable, Deferred Income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12040.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableDeferredIncome.12040.11.8" xlink:to="lab_LoansAndLeasesReceivableDeferredIncome8.217784" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableDeferredIncome8.217784" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableDeferredIncome8.217784">Less: Unearned income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12094.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableGrossCarryingAmount.12094.11.6" xlink:to="lab_LoansAndLeasesReceivableGrossCarryingAmount.10706" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableGrossCarryingAmount.10706" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableGrossCarryingAmount.10706">Loans and Leases Receivable, Gross</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12094.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableGrossCarryingAmount.12094.11.7" xlink:to="lab_LoansAndLeasesReceivableGrossCarryingAmount.217783" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableGrossCarryingAmount.217783" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableGrossCarryingAmount.217783">Loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12149.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12149.11.6" xlink:to="lab_LoansAndLeasesReceivableNetReportedAmount.10790" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetReportedAmount.10790" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetReportedAmount.10790">Loans and Leases Receivable, Net Amount</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12149.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12149.11.9" xlink:to="lab_LoansAndLeasesReceivableNetReportedAmount.217786" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetReportedAmount.217786" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetReportedAmount.217786">Net loans</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12150.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleMortgages.12150.11.6" xlink:to="lab_LoansHeldForSaleMortgages.10792" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansHeldForSaleMortgages.10792" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansHeldForSaleMortgages.10792">Loans Held-for-sale, Mortgages</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12150.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
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    <link:label xlink:label="lab_LoansHeldForSaleMortgages.217772" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansHeldForSaleMortgages.217772">Loans held for sale</link:label>
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3217.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MarketableSecuritiesAbstract.3217.11.6" xlink:to="lab_MarketableSecuritiesAbstract.11342" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MarketableSecuritiesAbstract.11342" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MarketableSecuritiesAbstract.11342">Marketable Securities [Abstract]</link:label>
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3217.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MarketableSecuritiesAbstract.3217.11.7" xlink:to="lab_MarketableSecuritiesAbstract.217771" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MarketableSecuritiesAbstract.217771" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_MarketableSecuritiesAbstract.217771">Investment securities:</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.12863.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDepositLiabilities.12863.11.6" xlink:to="lab_NoninterestBearingDepositLiabilities.12001" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDepositLiabilities.12001" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDepositLiabilities.12001">Noninterest-bearing Deposit Liabilities</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.12863.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDepositLiabilities.12863.11.7" xlink:to="lab_NoninterestBearingDepositLiabilities.217795" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDepositLiabilities.217795" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDepositLiabilities.217795">Non-interest bearing deposits</link:label>
    <link:loc xlink:label="loc_OtherAssets.13152.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherAssets.13152.11.6" xlink:to="lab_OtherAssets.12479" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherAssets.12479" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherAssets.12479">Other Assets</link:label>
    <link:loc xlink:label="loc_OtherAssets.13152.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherAssets.13152.11.7" xlink:to="lab_OtherAssets.217620" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherAssets.217620" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherAssets.217620">Other assets</link:label>
    <link:loc xlink:label="loc_OtherLiabilities.13465.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherLiabilities.13465.11.6" xlink:to="lab_OtherLiabilities.12976" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherLiabilities.12976" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherLiabilities.12976">Other Liabilities</link:label>
    <link:loc xlink:label="loc_OtherLiabilities.13465.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherLiabilities.13465.11.7" xlink:to="lab_OtherLiabilities.217623" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherLiabilities.217623" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherLiabilities.217623">Other liabilities</link:label>
    <link:loc xlink:label="loc_OtherShortTermInvestments.13496.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherShortTermInvestments.13496.11.6" xlink:to="lab_OtherShortTermInvestments.13025" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherShortTermInvestments.13025" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherShortTermInvestments.13025">Other Short-term Investments</link:label>
    <link:loc xlink:label="loc_OtherShortTermInvestments.13496.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherShortTermInvestments.13496.11.7" xlink:to="lab_OtherShortTermInvestments.217616" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherShortTermInvestments.217616" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherShortTermInvestments.217616">Short-term investments in money market funds</link:label>
    <link:loc xlink:label="loc_PreferredStockValue.14123.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockValue.14123.11.6" xlink:to="lab_PreferredStockValue.14020" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockValue.14020" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockValue.14020">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:label="loc_PreferredStockValue.14123.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockValue.14123.11.7" xlink:to="lab_PreferredStockValue.217801" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockValue.217801" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockValue.217801">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2012 and 2011</link:label>
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14233.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PrepaidExpenseCurrentAndNoncurrent.14233.11.6" xlink:to="lab_PrepaidExpenseCurrentAndNoncurrent.14204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PrepaidExpenseCurrentAndNoncurrent.14204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PrepaidExpenseCurrentAndNoncurrent.14204">Prepaid Expense</link:label>
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14233.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PrepaidExpenseCurrentAndNoncurrent.14233.11.7" xlink:to="lab_PrepaidExpenseCurrentAndNoncurrent.217794" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PrepaidExpenseCurrentAndNoncurrent.217794" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PrepaidExpenseCurrentAndNoncurrent.217794">Prepaid federal deposit insurance</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.14697.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.14697.11.6" xlink:to="lab_PropertyPlantAndEquipmentNet.14913" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentNet.14913" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentNet.14913">Property, Plant and Equipment, Net</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.14697.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.14697.11.7" xlink:to="lab_PropertyPlantAndEquipmentNet.217787" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentNet.217787" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentNet.217787">Premises and equipment, net</link:label>
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.15457.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsAccumulatedDeficit.15457.11.6" xlink:to="lab_RetainedEarningsAccumulatedDeficit.16146" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetainedEarningsAccumulatedDeficit.16146" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RetainedEarningsAccumulatedDeficit.16146">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.15457.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsAccumulatedDeficit.15457.11.7" xlink:to="lab_RetainedEarningsAccumulatedDeficit.217806" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetainedEarningsAccumulatedDeficit.217806" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RetainedEarningsAccumulatedDeficit.217806">Retained earnings</link:label>
    <link:loc xlink:label="loc_StatementOfFinancialPositionAbstract.4958.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfFinancialPositionAbstract.4958.11.6" xlink:to="lab_StatementOfFinancialPositionAbstract.217778" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementOfFinancialPositionAbstract.217778" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementOfFinancialPositionAbstract.217778">CONSOLIDATED BALANCE SHEETS [Abstract]</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.16667.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.16667.11.6" xlink:to="lab_StockholdersEquity.18029" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.18029" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.18029">Stockholders' Equity Attributable to Parent</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.16667.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.16667.11.9" xlink:to="lab_StockholdersEquity.217808" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.217808" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.217808">TOTAL STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_StockholdersEquityAbstract.4986.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_StockholdersEquityAbstract.18017" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquityAbstract.18017">Stockholders' Equity Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:label="loc_StockholdersEquityAbstract.4986.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquityAbstract.4986.11.7" xlink:to="lab_StockholdersEquityAbstract.217614" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquityAbstract.217614" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquityAbstract.217614">STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_TreasuryStockValue.17060.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValue.17060.11.6" xlink:to="lab_TreasuryStockValue.18646" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValue.18646" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValue.18646">Treasury Stock, Value</link:label>
    <link:loc xlink:label="loc_TreasuryStockValue.17060.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValue.17060.11.42" xlink:to="lab_TreasuryStockValue42.217810" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValue42.217810" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValue42.217810">Treasury stock at cost, 7,233,819 shares on December 31, 2012 and 5,476,019 shares on December 31, 2011</link:label>
    <link:loc xlink:label="loc_AmendmentFlag.144.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmendmentFlag.144.11.6" xlink:to="lab_AmendmentFlag.8" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmendmentFlag.8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmendmentFlag.8">Amendment Flag</link:label>
    <link:loc xlink:label="loc_CurrentFiscalYearEndDate.155.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CurrentFiscalYearEndDate.155.11.6" xlink:to="lab_CurrentFiscalYearEndDate.20" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CurrentFiscalYearEndDate.20" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CurrentFiscalYearEndDate.20">Current Fiscal Year End Date</link:label>
    <link:loc xlink:label="loc_DocumentAndEntityInformationAbstract.32974.11.6" xlink:href="asrv-20121231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_DocumentAndEntityInformationAbstract.210378" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DocumentAndEntityInformationAbstract.210378">Document and Entity Information [Abstract]</link:label>
    <link:loc xlink:label="loc_DocumentAndEntityInformationAbstract.32974.11.12" xlink:href="asrv-20121231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_DocumentAndEntityInformationAbstract12.212276" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DocumentAndEntityInformationAbstract12.212276">Document and Entity Information [Abstract]</link:label>
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    <link:label xlink:label="lab_DocumentFiscalPeriodFocus.123" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DocumentFiscalPeriodFocus.123">Document Fiscal Period Focus</link:label>
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    <link:label xlink:label="lab_DocumentFiscalYearFocus.122" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DocumentFiscalYearFocus.122">Document Fiscal Year Focus</link:label>
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    <link:labelArc xlink:from="loc_DocumentPeriodEndDate.161.11.6" xlink:to="lab_DocumentPeriodEndDate.30" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DocumentPeriodEndDate.30" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DocumentPeriodEndDate.30">Document Period End Date</link:label>
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    <link:labelArc xlink:from="loc_DocumentType.212.11.6" xlink:to="lab_DocumentType.32" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DocumentType.32" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DocumentType.32">Document Type</link:label>
    <link:loc xlink:label="loc_EntityCentralIndexKey.188.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCentralIndexKey.188.11.6" xlink:to="lab_EntityCentralIndexKey.101" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityCentralIndexKey.101" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityCentralIndexKey.101">Entity Central Index Key</link:label>
    <link:loc xlink:label="loc_EntityCommonStockSharesOutstanding.192.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCommonStockSharesOutstanding.192.11.6" xlink:to="lab_EntityCommonStockSharesOutstanding.105" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityCommonStockSharesOutstanding.105" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityCommonStockSharesOutstanding.105">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:label="loc_EntityCurrentReportingStatus.184.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCurrentReportingStatus.184.11.6" xlink:to="lab_EntityCurrentReportingStatus.97" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityCurrentReportingStatus.97" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityCurrentReportingStatus.97">Entity Current Reporting Status</link:label>
    <link:loc xlink:label="loc_EntityFilerCategory.185.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityFilerCategory" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityFilerCategory.185.11.6" xlink:to="lab_EntityFilerCategory.98" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityFilerCategory.98" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityFilerCategory.98">Entity Filer Category</link:label>
    <link:loc xlink:label="loc_EntityPublicFloat.186.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityPublicFloat" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityPublicFloat.186.11.6" xlink:to="lab_EntityPublicFloat.99" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityPublicFloat.99" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityPublicFloat.99">Entity Public Float</link:label>
    <link:loc xlink:label="loc_EntityRegistrantName.187.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityRegistrantName.187.11.6" xlink:to="lab_EntityRegistrantName.100" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityRegistrantName.100" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityRegistrantName.100">Entity Registrant Name</link:label>
    <link:loc xlink:label="loc_EntityVoluntaryFilers.183.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityVoluntaryFilers" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityVoluntaryFilers.183.11.6" xlink:to="lab_EntityVoluntaryFilers.96" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityVoluntaryFilers.96" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityVoluntaryFilers.96">Entity Voluntary Filers</link:label>
    <link:loc xlink:label="loc_EntityWellKnownSeasonedIssuer.182.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityWellKnownSeasonedIssuer.182.11.6" xlink:to="lab_EntityWellKnownSeasonedIssuer.95" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityWellKnownSeasonedIssuer.95" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityWellKnownSeasonedIssuer.95">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:label="loc_CommonStockParOrStatedValuePerShare.6878.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockParOrStatedValuePerShare.6878.11.6" xlink:to="lab_CommonStockParOrStatedValuePerShare.2741" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockParOrStatedValuePerShare.2741" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockParOrStatedValuePerShare.2741">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:label="loc_CommonStockParOrStatedValuePerShare.6878.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockParOrStatedValuePerShare.6878.11.7" xlink:to="lab_CommonStockParOrStatedValuePerShare7.217823" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockParOrStatedValuePerShare7.217823" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockParOrStatedValuePerShare7.217823">Common stock, par value per share</link:label>
    <link:loc xlink:label="loc_CommonStockSharesAuthorized.6879.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesAuthorized.6879.11.6" xlink:to="lab_CommonStockSharesAuthorized.2742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesAuthorized.2742" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesAuthorized.2742">Common Stock, Shares Authorized</link:label>
    <link:loc xlink:label="loc_CommonStockSharesAuthorized.6879.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesAuthorized.6879.11.7" xlink:to="lab_CommonStockSharesAuthorized7.217824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesAuthorized7.217824" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesAuthorized7.217824">Common stock, shares authorized</link:label>
    <link:loc xlink:label="loc_CommonStockSharesIssued.6875.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesIssued.6875.11.6" xlink:to="lab_CommonStockSharesIssued.2734" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesIssued.2734" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesIssued.2734">Common Stock, Shares, Issued</link:label>
    <link:loc xlink:label="loc_CommonStockSharesIssued.6875.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesIssued.6875.11.7" xlink:to="lab_CommonStockSharesIssued7.217825" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesIssued7.217825" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesIssued7.217825">Common stock, shares issued</link:label>
    <link:loc xlink:label="loc_CommonStockSharesOutstanding.6864.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesOutstanding.6864.11.6" xlink:to="lab_CommonStockSharesOutstanding.2714" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesOutstanding.2714" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesOutstanding.2714">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:label="loc_CommonStockSharesOutstanding.6864.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesOutstanding.6864.11.7" xlink:to="lab_CommonStockSharesOutstanding.217826" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesOutstanding.217826" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesOutstanding.217826">Common stock, shares outstanding</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10482.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10482.11.6" xlink:to="lab_HeldToMaturitySecuritiesFairValue.8190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesFairValue.8190" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesFairValue.8190">Held-to-maturity Securities, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10482.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10482.11.7" xlink:to="lab_HeldToMaturitySecuritiesFairValue7.217816" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesFairValue7.217816" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesFairValue7.217816">Held to maturity securities, fair value</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreference.14179.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreference.14179.11.6" xlink:to="lab_PreferredStockLiquidationPreference.14103" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreference.14103" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreference.14103">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreference.14179.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreference.14179.11.7" xlink:to="lab_PreferredStockLiquidationPreference.217818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreference.217818" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreference.217818">Preferred stock, liquidation preference per share</link:label>
    <link:loc xlink:label="loc_PreferredStockNoParValue.14145.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockNoParValue.14145.11.6" xlink:to="lab_PreferredStockNoParValue.14052" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockNoParValue.14052" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockNoParValue.14052">Preferred Stock, No Par Value</link:label>
    <link:loc xlink:label="loc_PreferredStockNoParValue.14145.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockNoParValue.14145.11.7" xlink:to="lab_PreferredStockNoParValue.217817" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockNoParValue.217817" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockNoParValue.217817">Preferred stock, no par value</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesAuthorized.14124.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesAuthorized.14124.11.6" xlink:to="lab_PreferredStockSharesAuthorized.14024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesAuthorized.14024" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesAuthorized.14024">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesAuthorized.14124.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesAuthorized.14124.11.7" xlink:to="lab_PreferredStockSharesAuthorized.217819" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesAuthorized.217819" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesAuthorized.217819">Preferred stock, shares authorized</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesIssued.14157.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesIssued.14157.11.6" xlink:to="lab_PreferredStockSharesIssued.14076" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesIssued.14076" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesIssued.14076">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesIssued.14157.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesIssued.14157.11.7" xlink:to="lab_PreferredStockSharesIssued.217821" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesIssued.217821" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesIssued.217821">Preferred stock, shares issued</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesOutstanding.14180.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesOutstanding.14180.11.6" xlink:to="lab_PreferredStockSharesOutstanding.14104" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesOutstanding.14104" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesOutstanding.14104">Preferred Stock, Shares Outstanding</link:label>
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    <link:labelArc xlink:from="loc_PreferredStockSharesOutstanding.14180.11.7" xlink:to="lab_PreferredStockSharesOutstanding.217822" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockSharesOutstanding.217822" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockSharesOutstanding.217822">Preferred stock, shares outstanding</link:label>
    <link:loc xlink:label="loc_TreasuryStockShares.17065.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockShares.17065.11.6" xlink:to="lab_TreasuryStockShares.18653" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockShares.18653" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockShares.18653">Treasury Stock, Shares</link:label>
    <link:loc xlink:label="loc_TreasuryStockShares.17065.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockShares.17065.11.7" xlink:to="lab_TreasuryStockShares7.217827" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockShares7.217827" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockShares7.217827">Treasury stock, shares</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6044.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsuranceIncome.6044.11.6" xlink:to="lab_BankOwnedLifeInsuranceIncome.1403" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankOwnedLifeInsuranceIncome.1403" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BankOwnedLifeInsuranceIncome.1403">Bank Owned Life Insurance Income</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6044.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsuranceIncome.6044.11.7" xlink:to="lab_BankOwnedLifeInsuranceIncome.218298" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankOwnedLifeInsuranceIncome.218298" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BankOwnedLifeInsuranceIncome.218298">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.6876.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockDividendsPerShareDeclared.6876.11.6" xlink:to="lab_CommonStockDividendsPerShareDeclared.2737" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockDividendsPerShareDeclared.2737" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockDividendsPerShareDeclared.2737">Common Stock, Dividends, Per Share, Declared</link:label>
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.6876.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockDividendsPerShareDeclared.6876.11.7" xlink:to="lab_CommonStockDividendsPerShareDeclared.218321" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockDividendsPerShareDeclared.218321" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockDividendsPerShareDeclared.218321">Cash dividends declared</link:label>
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    <link:labelArc xlink:from="loc_DividendsPreferredStock.8632.11.6" xlink:to="lab_DividendsPreferredStock.5283" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStock.5283" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStock.5283">Dividends, Preferred Stock</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStock.8632.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStock.8632.11.7" xlink:to="lab_DividendsPreferredStock.218312" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStock.218312" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStock.218312">Preferred stock dividends and accretion of preferred stock discount</link:label>
    <link:loc xlink:label="loc_EarningsPerShareAbstract.1670.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareAbstract.1670.11.6" xlink:to="lab_EarningsPerShareAbstract.5433" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareAbstract.5433" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareAbstract.5433">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareAbstract.1670.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareAbstract.1670.11.7" xlink:to="lab_EarningsPerShareAbstract.218314" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_EarningsPerShareBasic.8697.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasic.8697.11.6" xlink:to="lab_EarningsPerShareBasic.5408" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareBasic.5408" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareBasic.5408">Earnings Per Share, Basic</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasic.8697.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasic.8697.11.7" xlink:to="lab_EarningsPerShareBasic.218316" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareBasic.218316" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareBasic.218316">Net income</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1647.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasicAbstract.1647.11.6" xlink:to="lab_EarningsPerShareBasicAbstract.5387" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareBasicAbstract.5387" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareBasicAbstract.5387">Earnings Per Share, Basic [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1647.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasicAbstract.1647.11.7" xlink:to="lab_EarningsPerShareBasicAbstract.218315" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareBasicAbstract.218315" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareBasicAbstract.218315">Basic:</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDiluted.8689.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDiluted.8689.11.6" xlink:to="lab_EarningsPerShareDiluted.5392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareDiluted.5392" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareDiluted.5392">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDiluted.8689.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDiluted.8689.11.7" xlink:to="lab_EarningsPerShareDiluted.218319" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareDiluted.218319" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareDiluted.218319">Net income</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1653.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDilutedAbstract.1653.11.6" xlink:to="lab_EarningsPerShareDilutedAbstract.5402" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareDilutedAbstract.5402" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareDilutedAbstract.5402">Earnings Per Share, Diluted [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1653.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDilutedAbstract.1653.11.7" xlink:to="lab_EarningsPerShareDilutedAbstract.218318" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareDilutedAbstract.218318" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareDilutedAbstract.218318">Diluted:</link:label>
    <link:loc xlink:label="loc_EquipmentExpense.8919.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquipmentExpense.8919.11.6" xlink:to="lab_EquipmentExpense.5753" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquipmentExpense.5753" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquipmentExpense.5753">Equipment Expense</link:label>
    <link:loc xlink:label="loc_EquipmentExpense.8919.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquipmentExpense.8919.11.7" xlink:to="lab_EquipmentExpense.218303" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquipmentExpense.218303" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EquipmentExpense.218303">Equipment expense</link:label>
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9624.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalDepositInsuranceCorporationPremiumExpense.9624.11.6" xlink:to="lab_FederalDepositInsuranceCorporationPremiumExpense.6856" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalDepositInsuranceCorporationPremiumExpense.6856" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalDepositInsuranceCorporationPremiumExpense.6856">Federal Deposit Insurance Corporation Premium Expense</link:label>
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9624.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalDepositInsuranceCorporationPremiumExpense.9624.11.7" xlink:to="lab_FederalDepositInsuranceCorporationPremiumExpense.218307" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalDepositInsuranceCorporationPremiumExpense.218307" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalDepositInsuranceCorporationPremiumExpense.218307">Federal deposit insurance expense</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.34284.11.6" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankPrepaymentPenalties.34284.11.6" xlink:to="lab_FederalHomeLoanBankPrepaymentPenalties.218263" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties.218263" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties.218263">Federal Home Loan Bank Prepayment Penalties</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.34284.11.12" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
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    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties12.218265" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties12.218265">Federal Home Loan Bank prepayment penalties.</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.34284.11.7" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankPrepaymentPenalties.34284.11.7" xlink:to="lab_FederalHomeLoanBankPrepaymentPenalties7.218309" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties7.218309" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties7.218309">Federal Home Loan Bank prepayment penalties</link:label>
    <link:loc xlink:label="loc_FeesAndCommissionsDepositorAccounts.9682.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_NoninterestIncomeAbstract.3433.11.6" xlink:to="lab_NoninterestIncomeAbstract.12010" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_NoninterestIncomeAbstract.3433.11.7" xlink:to="lab_NoninterestIncomeAbstract.218291" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_NoninterestIncomeOtherOperatingIncome.12865.11.6" xlink:to="lab_NoninterestIncomeOtherOperatingIncome.12004" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_NoninterestIncomeOtherOperatingIncome.12865.11.7" xlink:to="lab_NoninterestIncomeOtherOperatingIncome.218299" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_OtherNoninterestExpense.13431.11.6" xlink:to="lab_OtherNoninterestExpense.12921" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_OtherNoninterestExpense.13431.11.7" xlink:to="lab_OtherNoninterestExpense.218310" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_CommonStockMember.1033.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockMember.1033.11.6" xlink:to="lab_CommonStockMember.2694" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockMember.2694" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockMember.2694">Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStockCash.8610.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStockCash.8610.11.6" xlink:to="lab_DividendsPreferredStockCash.5249" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStockCash.5249" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStockCash.5249">Dividends, Preferred Stock, Cash</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStockCash.8610.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStockCash.8610.11.42" xlink:to="lab_DividendsPreferredStockCash42.218390" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStockCash42.218390" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStockCash42.218390">Cash dividend declared on preferred stock</link:label>
    <link:loc xlink:label="loc_EquityComponentDomain.1773.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityComponentDomain.1773.11.6" xlink:to="lab_EquityComponentDomain.5824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityComponentDomain.5824" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquityComponentDomain.5824">Equity Component [Domain]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.13543.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.13543.11.7" xlink:to="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391">Other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_PreferredStockAccretionOfRedemptionDiscount.14143.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockAccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockAccretionOfRedemptionDiscount.14143.11.6" xlink:to="lab_PreferredStockAccretionOfRedemptionDiscount.14049" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockAccretionOfRedemptionDiscount.14049" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockAccretionOfRedemptionDiscount.14049">Preferred Stock, Accretion of Redemption Discount</link:label>
    <link:loc xlink:label="loc_PreferredStockAccretionOfRedemptionDiscount.14143.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockAccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockAccretionOfRedemptionDiscount.14143.11.42" xlink:to="lab_PreferredStockAccretionOfRedemptionDiscount42.218383" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockAccretionOfRedemptionDiscount42.218383" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockAccretionOfRedemptionDiscount42.218383">Accretion of preferred stock discount</link:label>
    <link:loc xlink:label="loc_PreferredStockMember.3939.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockMember.3939.11.6" xlink:to="lab_PreferredStockMember.14109" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockMember.14109" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockMember.14109">Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_RetainedEarningsMember.4458.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsMember.4458.11.6" xlink:to="lab_RetainedEarningsMember.16154" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetainedEarningsMember.16154" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RetainedEarningsMember.16154">Retained Earnings [Member]</link:label>
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.4957.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementEquityComponentsAxis.4957.11.6" xlink:to="lab_StatementEquityComponentsAxis.17875" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementEquityComponentsAxis.17875" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementEquityComponentsAxis.17875">Equity Components [Axis]</link:label>
    <link:loc xlink:label="loc_StatementLineItems.4952.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementLineItems.4952.11.6" xlink:to="lab_StatementLineItems.17869" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementLineItems.17869" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementLineItems.17869">Statement [Line Items]</link:label>
    <link:loc xlink:label="loc_StatementOfStockholdersEquityAbstract.4954.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfStockholdersEquityAbstract.4954.11.6" xlink:to="lab_StatementOfStockholdersEquityAbstract.218395" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementOfStockholdersEquityAbstract.218395" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementOfStockholdersEquityAbstract.218395">CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]</link:label>
    <link:loc xlink:label="loc_StatementTable.4950.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementTable.4950.11.6" xlink:to="lab_StatementTable.17867" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementTable.17867" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementTable.17867">Statement [Table]</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.16667.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.16667.11.10" xlink:to="lab_StockholdersEquity.218381" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.218381" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.218381">Balance</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.16667.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.16667.11.11" xlink:to="lab_StockholdersEquity.218393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.218393" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.218393">Balance</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.16578.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.16578.11.6" xlink:to="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17909" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17909" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17909">Stock Issued During Period, Value, Dividend Reinvestment Plan</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.16578.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.16578.11.7" xlink:to="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384">New common shares issued for exercise of stock options</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueRestrictedStockAwardGross.16602.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueRestrictedStockAwardGross.16602.11.6" xlink:to="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.17938" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.17938" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.17938">Stock Issued During Period, Value, Restricted Stock Award, Gross</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueRestrictedStockAwardGross.16602.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueRestrictedStockAwardGross.16602.11.7" xlink:to="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.218385" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.218385" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueRestrictedStockAwardGross.218385">Restricted stock</link:label>
    <link:loc xlink:label="loc_TreasuryStockMember.5154.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockMember.5154.11.6" xlink:to="lab_TreasuryStockMember.18656" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockMember.18656" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockMember.18656">Treasury Stock [Member]</link:label>
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17074.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValueAcquiredCostMethod.17074.11.6" xlink:to="lab_TreasuryStockValueAcquiredCostMethod.18668" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValueAcquiredCostMethod.18668" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValueAcquiredCostMethod.18668">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17074.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValueAcquiredCostMethod.17074.11.42" xlink:to="lab_TreasuryStockValueAcquiredCostMethod46.218386" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValueAcquiredCostMethod46.218386" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValueAcquiredCostMethod46.218386">Treasury stock, purchased at cost (1,757,800 and 287,400 shares, respectively)</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.34294.11.6" xlink:href="asrv-20121231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.34294.11.6" xlink:to="lab_WarrantRepurchase.218369" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase.218369" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase.218369">Warrant Repurchase</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.34294.11.12" xlink:href="asrv-20121231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.34294.11.12" xlink:to="lab_WarrantRepurchase12.218371" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase12.218371" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase12.218371">Warrant Repurchase.</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.34294.11.42" xlink:href="asrv-20121231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.34294.11.42" xlink:to="lab_WarrantRepurchase42.218389" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase42.218389" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase42.218389">Warrant repurchase (1,312,500 shares)</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.33349.11.6" xlink:href="asrv-20121231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.33349.11.6" xlink:to="lab_RepurchaseOfWarrantsShares.212371" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares.212371" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares.212371">Repurchase Of Warrants Shares</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.33349.11.12" xlink:href="asrv-20121231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.33349.11.12" xlink:to="lab_RepurchaseOfWarrantsShares12.212373" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares12.212373" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares12.212373">Repurchase Of Warrants, Shares.</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.33349.11.7" xlink:href="asrv-20121231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.33349.11.7" xlink:to="lab_RepurchaseOfWarrantsShares7.212376" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares7.212376" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares7.212376">Warrants repurchased, shares</link:label>
    <link:loc xlink:label="loc_TreasuryStockSharesAcquired.17061.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockSharesAcquired.17061.11.6" xlink:to="lab_TreasuryStockSharesAcquired.18649" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockSharesAcquired.18649" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockSharesAcquired.18649">Treasury Stock, Shares, Acquired</link:label>
    <link:loc xlink:label="loc_TreasuryStockSharesAcquired.17061.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockSharesAcquired.17061.11.7" xlink:to="lab_TreasuryStockSharesAcquired.218399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockSharesAcquired.218399" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockSharesAcquired.218399">Treasury stock, purchased at cost, shares</link:label>
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5479.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5479.11.6" xlink:to="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.448" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.448" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.448">Accretion (Amortization) of Discounts and Premiums, Investments</link:label>
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5479.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5479.11.42" xlink:to="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.218580" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.218580" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccretionAmortizationOfDiscountsAndPremiumsInvestments.218580">Net amortization of investment securities</link:label>
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.480.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.480.11.6" xlink:to="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.726" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.726" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.726">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.480.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.480.11.7" xlink:to="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5763.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmortizationOfDeferredLoanOriginationFeesNet.5763.11.6" xlink:to="lab_AmortizationOfDeferredLoanOriginationFeesNet.936" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmortizationOfDeferredLoanOriginationFeesNet.936" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmortizationOfDeferredLoanOriginationFeesNet.936">Amortization of Deferred Loan Origination Fees, Net</link:label>
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5763.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmortizationOfDeferredLoanOriginationFeesNet.5763.11.42" xlink:to="lab_AmortizationOfDeferredLoanOriginationFeesNet42.218583" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmortizationOfDeferredLoanOriginationFeesNet42.218583" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AmortizationOfDeferredLoanOriginationFeesNet42.218583">Amortization of deferred loan fees</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.10" xlink:to="lab_CashAndCashEquivalentsAtCarryingValue.218620" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValue.218620" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValue.218620">CASH AND CASH EQUIVALENTS AT JANUARY 1</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6556.11.11" xlink:to="lab_CashAndCashEquivalentsAtCarryingValue.218621" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValue.218621" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValue.218621">CASH AND CASH EQUIVALENTS AT DECEMBER 31</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6589.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6589.11.6" xlink:to="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.2245" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.2245" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.2245">Cash and Cash Equivalents, Period Increase (Decrease)</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6589.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6589.11.9" xlink:to="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.218619" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.218619" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPeriodIncreaseDecrease.218619">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</link:label>
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.4955.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfCashFlowsAbstract.4955.11.6" xlink:to="lab_CommonStockSharesToBeIssuedForServices.218574" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockSharesToBeIssuedForServices.218574" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockSharesToBeIssuedForServices.218574">CONSOLIDATED STATEMENTS OF CASH FLOWS [ABSTRACT]</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7621.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7621.11.6" xlink:to="lab_DeferredIncomeTaxExpenseBenefit.3895" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxExpenseBenefit.3895" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxExpenseBenefit.3895">Deferred Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7621.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7621.11.8" xlink:to="lab_DeferredIncomeTaxExpenseBenefit8.218607" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxExpenseBenefit8.218607" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxExpenseBenefit8.218607">Deferred income taxes</link:label>
    <link:loc xlink:label="loc_EarningOnBankOwnedLifeInsurance.34959.11.6" xlink:href="asrv-20121231.xsd#asrv_EarningOnBankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningOnBankOwnedLifeInsurance.34959.11.6" xlink:to="lab_EarningOnBankOwnedLifeInsurance.221359" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningOnBankOwnedLifeInsurance.221359" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningOnBankOwnedLifeInsurance.221359">Earning On Bank Owned Life Insurance</link:label>
    <link:loc xlink:label="loc_EarningOnBankOwnedLifeInsurance.34959.11.12" xlink:href="asrv-20121231.xsd#asrv_EarningOnBankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningOnBankOwnedLifeInsurance.34959.11.12" xlink:to="lab_EarningOnBankOwnedLifeInsurance12.221361" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningOnBankOwnedLifeInsurance12.221361" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_EarningOnBankOwnedLifeInsurance12.221361">Earning on bank- owned life insurance.</link:label>
    <link:loc xlink:label="loc_EarningOnBankOwnedLifeInsurance.34959.11.42" xlink:href="asrv-20121231.xsd#asrv_EarningOnBankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningOnBankOwnedLifeInsurance.34959.11.42" xlink:to="lab_EarningOnBankOwnedLifeInsurance42.221362" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningOnBankOwnedLifeInsurance42.221362" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningOnBankOwnedLifeInsurance42.221362">Earnings on bank owned life insurance</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10207.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfInvestments.10207.11.6" xlink:to="lab_GainLossOnSaleOfInvestments.7746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainLossOnSaleOfInvestments.7746" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GainLossOnSaleOfInvestments.7746">Gain (Loss) on Sale of Investments</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10207.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfInvestments.10207.11.42" xlink:to="lab_GainLossOnSaleOfInvestments42.218581" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainLossOnSaleOfInvestments42.218581" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_GainLossOnSaleOfInvestments42.218581">Net realized losses (gains) on investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10204.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfLoansAndLeases.10204.11.6" xlink:to="lab_GainLossOnSaleOfLoansAndLeases.7742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainLossOnSaleOfLoansAndLeases.7742" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GainLossOnSaleOfLoansAndLeases.7742">Gain (Loss) on Sale of Loans and Leases</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10204.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfLoansAndLeases.10204.11.42" xlink:to="lab_GainLossOnSaleOfLoansAndLeases42.218582" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainLossOnSaleOfLoansAndLeases42.218582" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_GainLossOnSaleOfLoansAndLeases42.218582">Net gains on loans held for sale</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.10789.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInAccruedInterestReceivableNet.10789.11.6" xlink:to="lab_IncreaseDecreaseInAccruedInterestReceivableNet.8688" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInAccruedInterestReceivableNet.8688" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInAccruedInterestReceivableNet.8688">Increase (Decrease) in Accrued Interest Receivable, Net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.10789.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInAccruedInterestReceivableNet.10789.11.42" xlink:to="lab_IncreaseDecreaseInAccruedInterestReceivableNet42.218586" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInAccruedInterestReceivableNet42.218586" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInAccruedInterestReceivableNet42.218586">Decrease (increase) in accrued interest receivable</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.10784.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
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    <link:label xlink:label="lab_IncreaseDecreaseInDeposits.8680" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInDeposits.8680">Increase (Decrease) in Deposits</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.10784.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
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    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.10964.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
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    <link:label xlink:label="lab_IncreaseDecreaseInInterestPayableNet.8944" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInInterestPayableNet.8944">Increase (Decrease) in Interest Payable, Net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.10964.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInInterestPayableNet.10964.11.7" xlink:to="lab_IncreaseDecreaseInInterestPayableNet.218588" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInInterestPayableNet.218588" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInInterestPayableNet.218588">Decrease in accrued interest payable</link:label>
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    <link:label xlink:label="lab_IncreaseDecreaseInOtherLoans.8881" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInOtherLoans.8881">Increase (Decrease) in Other Loans</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherLoans.10919.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInOtherLoans.10919.11.42" xlink:to="lab_IncreaseDecreaseInOtherLoans42.218610" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInOtherLoans42.218610" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInOtherLoans42.218610">Net increase in other short-term loans</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingCapitalNet.10902.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInOtherOperatingCapitalNet.10902.11.6" xlink:to="lab_IncreaseDecreaseInOtherOperatingCapitalNet.8857" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInOtherOperatingCapitalNet.8857" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInOtherOperatingCapitalNet.8857">Increase (Decrease) in Other Operating Assets and Liabilities, Net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingCapitalNet.10902.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:type="locator" />
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    <link:label xlink:label="lab_IncreaseDecreaseInOtherOperatingCapitalNet46.403579" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInOtherOperatingCapitalNet46.403579">Other, net</link:label>
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    <link:labelArc xlink:from="loc_IncreaseDecreaseInPrepaidExpense.10980.11.6" xlink:to="lab_IncreaseDecreaseInPrepaidExpense.8969" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInPrepaidExpense.8969" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInPrepaidExpense.8969">Increase (Decrease) in Prepaid Expense</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInPrepaidExpense.10980.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInPrepaidExpense.10980.11.42" xlink:to="lab_IncreaseDecreaseInPrepaidExpense42.218592" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInPrepaidExpense42.218592" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInPrepaidExpense42.218592">Decrease in prepaid Federal Deposit Insurance</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivities.12740.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivities.12740.11.6" xlink:to="lab_NetCashProvidedByUsedInFinancingActivities.11796" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivities.11796" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivities.11796">Net Cash Provided by (Used in) Financing Activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivities.12740.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivities.12740.11.9" xlink:to="lab_NetCashProvidedByUsedInFinancingActivities.218618" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivities.218618" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivities.218618">Net cash provided by (used in) financing activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3365.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3365.11.6" xlink:to="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.11763" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.11763" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.11763">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3365.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3365.11.7" xlink:to="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603">FINANCING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivities.12731.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivities.12731.11.6" xlink:to="lab_NetCashProvidedByUsedInInvestingActivities.11776" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivities.11776" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivities.11776">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivities.12731.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivities.12731.11.9" xlink:to="lab_NetCashProvidedByUsedInInvestingActivities.218613" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivities.218613" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivities.218613">Net cash (used in) provided by investing activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3385.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3385.11.6" xlink:to="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.11840" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.11840" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.11840">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3385.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3385.11.7" xlink:to="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595">INVESTING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivities.12778.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivities.12778.11.6" xlink:to="lab_NetCashProvidedByUsedInOperatingActivities.11871" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivities.11871" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivities.11871">Net Cash Provided by (Used in) Operating Activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivities.12778.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivities.12778.11.9" xlink:to="lab_NetCashProvidedByUsedInOperatingActivities.218608" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivities.218608" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivities.218608">Net cash provided by (used in) operating activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3386.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract.11842" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract.11842">Net Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3386.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract7.218575" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract7.218575">OPERATING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.12771.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
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    <link:label xlink:label="lab_NetIncomeLoss.11860" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetIncomeLoss.11860">Net Income (Loss) Attributable to Parent</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.12771.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLoss.12771.11.7" xlink:to="lab_NetIncomeLoss.218335" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetIncomeLoss.218335" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetIncomeLoss.218335">Net income</link:label>
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13378.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
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    <link:label xlink:label="lab_OtherDepreciationAndAmortization.12856" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherDepreciationAndAmortization.12856">Other Depreciation and Amortization</link:label>
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13378.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
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    <link:label xlink:label="lab_OtherDepreciationAndAmortization.218578" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherDepreciationAndAmortization.218578">Depreciation and amortization expense</link:label>
    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.13758.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.13758.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.13728.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.13757.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.13757.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
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    <link:label xlink:label="lab_PaymentsForRepurchaseOfCommonStock.218617" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfCommonStock.218617">Purchase of treasury stock</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.13727.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfWarrants.13727.11.6" xlink:to="lab_PaymentsForRepurchaseOfWarrants.13443" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfWarrants.13443" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfWarrants.13443">Payments for Repurchase of Warrants</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.13727.11.47" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfWarrants.13727.11.47" xlink:to="lab_PaymentsForRepurchaseOfWarrants47.218616" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfWarrants47.218616" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfWarrants47.218616">Warrant repurchase</link:label>
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.13792.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.13792.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.13839.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
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    <link:label xlink:label="lab_PaymentsToAcquireAvailableForSaleSecuritiesDebt.13606" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireAvailableForSaleSecuritiesDebt.13606">Payments to Acquire Available-for-sale Securities, Debt</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.13839.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.13839.11.42" xlink:to="lab_PaymentsToAcquireAvailableForSaleSecuritiesDebt42.218596" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireAvailableForSaleSecuritiesDebt42.218596" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireAvailableForSaleSecuritiesDebt42.218596">Purchase of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.13838.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireHeldToMaturitySecurities.13838.11.6" xlink:to="lab_PaymentsToAcquireHeldToMaturitySecurities.13605" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireHeldToMaturitySecurities.13605" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireHeldToMaturitySecurities.13605">Payments to Acquire Held-to-maturity Securities</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.13838.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireHeldToMaturitySecurities.13838.11.42" xlink:to="lab_PaymentsToAcquireHeldToMaturitySecurities.218597" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireHeldToMaturitySecurities.218597" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireHeldToMaturitySecurities.218597">Purchase of investment securities - held to maturity</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.13818.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireLoansHeldForInvestment.13818.11.6" xlink:to="lab_PaymentsToAcquireLoansHeldForInvestment.13576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireLoansHeldForInvestment.13576" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireLoansHeldForInvestment.13576">Payments to Acquire Loans Held-for-investment</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.13818.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireLoansHeldForInvestment.13818.11.42" xlink:to="lab_PaymentsToAcquireLoansHeldForInvestment42.218609" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireLoansHeldForInvestment42.218609" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireLoansHeldForInvestment42.218609">Loans purchased or participated</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.13848.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.13848.11.6" xlink:to="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.13619" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.13619" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.13619">Payments to Acquire Other Property, Plant, and Equipment</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.13848.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.13848.11.42" xlink:to="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.218611" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.218611" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireOtherPropertyPlantAndEquipment.218611">Purchases of premises and equipment</link:label>
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.14488.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromFederalHomeLoanBankBorrowings.14488.11.6" xlink:to="lab_ProceedsFromFederalHomeLoanBankBorrowings.14600" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromFederalHomeLoanBankBorrowings.14600" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromFederalHomeLoanBankBorrowings.14600">Proceeds from Federal Home Loan Bank Borrowings</link:label>
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.14488.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromFederalHomeLoanBankBorrowings.14488.11.7" xlink:to="lab_ProceedsFromFederalHomeLoanBankBorrowings.218539" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.14494.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromLifeInsurancePolicies.14494.11.6" xlink:to="lab_ProceedsFromLifeInsurancePolicies.14610" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromLifeInsurancePolicies.14610" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromLifeInsurancePolicies.14610">Proceeds from Life Insurance Policies</link:label>
    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.14494.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromLifeInsurancePolicies.14494.11.7" xlink:to="lab_ProceedsFromLifeInsurancePolicies.218602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromLifeInsurancePolicies.218602" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromLifeInsurancePolicies.218602">Proceeds from insurance policies</link:label>
    <link:loc xlink:label="loc_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1.14413.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1" xlink:type="locator" />
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    <link:loc xlink:label="loc_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1.14413.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1" xlink:type="locator" />
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    <link:loc xlink:label="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.14445.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="locator" />
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    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.14452.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
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    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.14452.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
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    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4115.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
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    <link:loc xlink:label="loc_PropertyPlantAndEquipmentUsefulLife.14662.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator" />
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    <link:loc xlink:label="loc_ReceivablesAbstract.4246.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_ReceivablesAbstract.4246.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_ReceivablesAbstract.212299" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ReceivablesAbstract.212299">LOANS:</link:label>
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4596.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
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    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.212377" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_SmallBusinessLoansMember.33344.11.6" xlink:href="asrv-20121231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SmallBusinessLoansMember.33344.11.6" xlink:to="lab_SmallBusinessLoansMember.212336" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SmallBusinessLoansMember.212336" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SmallBusinessLoansMember.212336">Small Business Loans [Member]</link:label>
    <link:loc xlink:label="loc_SmallBusinessLoansMember.33344.11.12" xlink:href="asrv-20121231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SmallBusinessLoansMember.33344.11.12" xlink:to="lab_SmallBusinessLoansMember12.212340" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SmallBusinessLoansMember12.212340" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_SmallBusinessLoansMember12.212340">Small Business Loans [Member]</link:label>
    <link:loc xlink:label="loc_SupplementalCashFlowInformationAbstract.5043.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5043.11.6" xlink:to="lab_SupplementalCashFlowInformationAbstract.18204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SupplementalCashFlowInformationAbstract.18204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SupplementalCashFlowInformationAbstract.18204">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:label="loc_SupplementalCashFlowInformationAbstract.5043.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5043.11.7" xlink:to="lab_SupplementalCashFlowInformationAbstract.212347" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SupplementalCashFlowInformationAbstract.212347" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SupplementalCashFlowInformationAbstract.212347">CONSOLIDATED STATEMENT OF CASH FLOWS:</link:label>
    <link:loc xlink:label="loc_TransferOfOtherRealEstate.17018.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TransferOfOtherRealEstate.17018.11.6" xlink:to="lab_TransferOfOtherRealEstate.18588" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TransferOfOtherRealEstate.18588" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TransferOfOtherRealEstate.18588">Transfer from Other Real Estate</link:label>
    <link:loc xlink:label="loc_TransferOfOtherRealEstate.17018.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TransferOfOtherRealEstate.17018.11.7" xlink:to="TransferOfOtherRealEstate.212348" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="TransferOfOtherRealEstate.212348" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="TransferOfOtherRealEstate.212348">Non-cash transfers to other real estate owned</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5599.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5599.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.624" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.624" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.624">Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5599.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5599.11.7" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396">Unrealized holding gains on available for sale securities</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5589.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5589.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.602" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.602">Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5589.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5589.11.42" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399">Pension obligation for defined benefit plan</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5602.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5602.11.9" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397">Total accumulated other comprehensive loss</link:label>
    <link:loc xlink:label="loc_RestrictedCashAndCashEquivalents.15331.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RestrictedCashAndCashEquivalents.15331.11.6" xlink:to="lab_RestrictedCashAndCashEquivalents.15951" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RestrictedCashAndCashEquivalents.15951" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RestrictedCashAndCashEquivalents.15951">Restricted Cash and Cash Equivalents</link:label>
    <link:loc xlink:label="loc_RestrictedCashAndCashEquivalents.15331.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RestrictedCashAndCashEquivalents.15331.11.7" xlink:to="lab_RestrictedCashAndCashEquivalents.213182" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RestrictedCashAndCashEquivalents.213182" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RestrictedCashAndCashEquivalents.213182">Cash reserves required to be maintained under Federal Reserve Bank regulations</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceDomain.2163.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceDomain.2163.11.6" xlink:to="lab_FinancingReceivableAllowanceDomain.7168" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceDomain.7168" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceDomain.7168">Financing Receivable Allowance [Domain]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableInformationByPortfolioSegmentAxis.2170.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableInformationByPortfolioSegmentAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableInformationByPortfolioSegmentAxis.2170.11.6" xlink:to="lab_FinancingReceivableInformationByPortfolioSegmentAxis.7200" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableInformationByPortfolioSegmentAxis.7200" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableInformationByPortfolioSegmentAxis.7200">Portfolio Segment [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableInformationLineItems.33610.11.6" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableInformationLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableInformationLineItems.33610.11.6" xlink:to="lab_FinancingReceivableInformationLineItems.213570" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableInformationLineItems.213570" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableInformationLineItems.213570">Financing Receivable Information [Line Items]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableInformationLineItems.33610.11.7" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableInformationLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableInformationLineItems.33610.11.7" xlink:to="lab_FinancingReceivableInformationLineItems7.213571" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableInformationLineItems7.213571" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableInformationLineItems7.213571">Summary of loan portfolio</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.7" xlink:to="lab_LoansAndLeasesReceivableNetOfDeferredIncome.213572" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetOfDeferredIncome.213572" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetOfDeferredIncome.213572">Loans, net of unearned income</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.5963.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.5963.11.9" xlink:to="lab_AvailableForSaleSecurities.213196" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecurities.213196" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecurities.213196">Fair value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAbstract.649.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAbstract.649.11.6" xlink:to="lab_AvailableForSaleSecuritiesAbstract.1324" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesAbstract.1324" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesAbstract.1324">Available-for-sale Securities [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAbstract.649.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAbstract.649.11.7" xlink:to="lab_AvailableForSaleSecuritiesAbstract.213188" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesAbstract.213188" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesAbstract.213188">Investment securities available for sale:</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6003.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAmortizedCost.6003.11.6" xlink:to="lab_AvailableForSaleSecuritiesAmortizedCost.1331" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesAmortizedCost.1331" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesAmortizedCost.1331">Available-for-sale Securities, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6003.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAmortizedCost.6003.11.7" xlink:to="lab_AvailableForSaleSecuritiesAmortizedCost.213189" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesAmortizedCost.213189" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesAmortizedCost.213189">Cost basis</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesGrossUnrealizedGain.5418.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesGrossUnrealizedGain.5418.11.6" xlink:to="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.309" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.309" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.309">Available-for-sale Securities, Gross Unrealized Gains</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesGrossUnrealizedGain.5418.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesGrossUnrealizedGain.5418.11.7" xlink:to="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.213191" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.213191" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesGrossUnrealizedGain.213191">Gross unrealized gains</link:label>
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    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedLosses1.5987.11.6" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedLosses1.1304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLosses1.5987.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1" xlink:type="locator" />
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    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedLosses142.213193" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedLosses142.213193">Gross unrealized losses</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10449.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10449.11.8" xlink:to="lab_HeldToMaturitySecurities8.213190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecurities8.213190" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecurities8.213190">Cost basis</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10482.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10482.11.9" xlink:to="lab_HeldToMaturitySecuritiesFairValue9.213195" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesFairValue9.213195" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesFairValue9.213195">Fair value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesUnclassifiedAbstract.2443.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesUnclassifiedAbstract.2443.11.6" xlink:to="lab_HeldToMaturitySecuritiesUnclassifiedAbstract.8187" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesUnclassifiedAbstract.8187" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesUnclassifiedAbstract.8187">Held-to-maturity Securities, Unclassified [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesUnclassifiedAbstract.2443.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesUnclassifiedAbstract.2443.11.7" xlink:to="lab_HeldToMaturitySecuritiesUnclassifiedAbstract.213183" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesUnrecognizedHoldingGain.10515.11.6" xlink:to="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.8238" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.8238" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.8238">Held-to-maturity Securities, Unrecognized Holding Gain</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesUnrecognizedHoldingGain.10515.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesUnrecognizedHoldingGain.10515.11.7" xlink:to="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.213192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.213192" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesUnrecognizedHoldingGain.213192">Gross unrealized gains</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.10463.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.10463.11.6" xlink:to="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.8159" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.8159" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.8159">Held-to-maturity Securities, Unrecognized Holding Loss</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.10463.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesUnrecognizedHoldingLoss.10463.11.42" xlink:to="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss42.213194" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss42.213194" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesUnrecognizedHoldingLoss42.213194">Gross unrealized losses</link:label>
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5186.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxableMunicipalBondsMember.5186.11.6" xlink:to="lab_TaxableMunicipalBondsMember.18725" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxableMunicipalBondsMember.18725" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TaxableMunicipalBondsMember.18725">Taxable Municipal Bonds [Member]</link:label>
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5186.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxableMunicipalBondsMember.5186.11.7" xlink:to="lab_TaxableMunicipalBondsMember.403655" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxableMunicipalBondsMember.403655" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TaxableMunicipalBondsMember.403655">Taxable Municipal [Member]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAbstract.636.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAbstract.636.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract.1259" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract.1259" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract.1259">Available-for-sale Securities, Debt Maturities [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAbstract.636.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAbstract.636.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract7.145960" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract7.145960" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAbstract7.145960">Available-For-Sale:</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.213247" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.213247" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.213247">Available For Sale Securities Debt Maturities After Fifteen Years Amortized Cost</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost12.213249" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost12.213249" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost12.213249">Available-for-sale securities debt maturities after fifteen years amortized cost.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.33538.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost7.213379" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost7.213379" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost7.213379">Over 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213256" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213256" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213256">Available For Sale Securities Debt Maturities After Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213381" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213381" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213381">Over 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.5978.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.5978.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.1291" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.1291" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.1291">Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.5978.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.5978.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.213366" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.213366" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.213366">After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.5980.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.5980.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.1293" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.1293" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.1293">Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.5980.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.5980.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213368" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213368" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213368">After 5 years but within 10 years</link:label>
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    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.5999.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.1325" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.1325" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.1325">Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.5999.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.5999.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.213360" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.5959.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.5959.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.1262" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.1262" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.1262">Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.5959.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.5959.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213362" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213362" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213362">After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.213245" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.213245" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.213245">Available For Sale Securities Debt Maturities After Ten Through Fifteen Years Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis12.213251" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis12.213251" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis12.213251">Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.33537.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis7.213372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis7.213372" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis7.213372">After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213253" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213253" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213253">Available For Sale Securities Debt Maturities After Ten Through Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213257" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213257" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213257">Available-for-sale securities debt maturities after ten through fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33540.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213374" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213374" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213374">After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33542.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValueExtended89112.213259" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValueExtended89112.213259" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValueExtended89112.213259">Available-for-sale securities debt maturities after fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.5993.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.5993.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.1314" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.1314" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.1314">Available-for-sale Securities, Debt Maturities, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.5993.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.5993.11.9" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.213386" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.213386" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.213386">Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.637.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.637.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.1265" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.1265" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.1265">Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.637.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.637.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.213304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.213304" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.213304">Investment securities available for sale: COST BASIS</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.643.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.643.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.1297" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.1297" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.1297">Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.643.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.643.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.213303" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.213303" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract.213303">Investment securities available for sale: FAIR VALUE</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.5971.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.5971.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1280" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1280" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1280">Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.5971.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.5971.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.213305" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.213305" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.213305">Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.5960.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.5960.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1263" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1263" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1263">Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.5960.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.5960.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.213306" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.213306" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.213306">Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.213351" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.213351" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.213351">Available For Sale Securities Debt Maturities Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield12.213406" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield12.213406" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield12.213406">This item represents the yield percent of debt securities which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.33576.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield7.213387" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield7.213387" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield7.213387">Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.33561.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.33561.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.213325" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.213325" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.213325">Available For Sale Securities Debt Maturities Yield [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.33561.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract.33561.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract7.213394" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract7.213394" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract7.213394">Investment securities available for sale: Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.213336" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.213336" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.213336">Available For Sale Securities Debt Maturities Yield After Fifteen Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears12.213407" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears12.213407" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears12.213407">This item represents the yield percent of debt securities which are expected to mature after fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.33567.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears7.213380" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears7.213380" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears7.213380">Over 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213334" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213334" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213334">Available For Sale Securities Debt Maturities Yield After Five Through Ten Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213409" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213409" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213409">This item represents the yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33565.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213367" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213367" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213367">After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213331" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213331" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213331">Available For Sale Securities Debt Maturities Yield After One Through Five Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213411" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213411" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213411">This item represents the yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33564.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213361" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213361" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213361">After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213335" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213335" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213335">Available For Sale Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213408" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213408" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213408">This item represents the yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33566.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears7.213373" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears7.213373" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears7.213373">After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.213326" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.213326" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.213326">Available For Sale Securities Debt Maturities Yield Within One Year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.12" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear12.213410" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear12.213410" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear12.213410">This item represents the yield percent of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.33562.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear7.213358" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear7.213358" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear7.213358">Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtSecurities.5969.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtSecurities.5969.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtSecurities.1277" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtSecurities.1277" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtSecurities.1277">Available-for-sale Securities, Debt Securities</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtSecurities.5969.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtSecurities.5969.11.9" xlink:to="lab_AvailableForSaleSecuritiesDebtSecurities9.213388" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtSecurities9.213388" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtSecurities9.213388">Total</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213282" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213282" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.213282">Held To Maturity Securities Debt Maturities After Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue12.213286" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue12.213286" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue12.213286">Held-to-maturity securities debt maturities after fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.33552.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213384" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213384" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue7.213384">Over 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.213277" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.213277" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.213277">Held To Maturity Securities Debt Maturities After Fifteen Years Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount12.213289" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount12.213289" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount12.213289">Held-to-maturity securities debt maturities after fifteen years net carrying amount.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.33550.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount7.213382" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount7.213382" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount7.213382">Over 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10459.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10459.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153">Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10459.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10459.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213371" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213371" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.213371">After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10455.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10455.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149">Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10455.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10455.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.213369" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.213369" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.213369">After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10458.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10458.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.8152" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.8152" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.8152">Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10458.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10458.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213365" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213365" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.213365">After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10448.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10448.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.8137" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.8137" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.8137">Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10448.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10448.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.213363" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.213363" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.213363">After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213281" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213281" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.213281">Held To Maturity Securities Debt Maturities After Ten Through Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213288" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213288" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue12.213288">Held-to-maturity securities maturities after ten through fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.33551.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213378" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213378" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue7.213378">After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.213276" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.213276" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.213276">Held To Maturity Securities Debt Maturities After Ten Through Fifteen Years Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount12.213291" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount12.213291" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount12.213291">Held-to-maturity securities debt maturities after ten through fifteen years net carrying amount.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.33549.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount7.213375" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount7.213375" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount7.213375">After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValue.10474.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValue.10474.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.8174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.8174" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.8174">Held-to-maturity Securities, Debt Maturities, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValue.10474.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValue.10474.11.9" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.213392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.213392" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValue.213392">Total</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.2429.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.2429.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.8135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.8135" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.8135">Held-to-maturity Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.2429.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.2429.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.213301" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.213301" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract.213301">Investment securities held to maturity: FAIR VALUE</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.10466.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.10466.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.8163" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.8163" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.8163">Held-to-maturity Securities, Debt Maturities, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.10466.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.10466.11.9" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.213390" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.213390" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount.213390">Total</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.2433.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.2433.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.8142" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.8142" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.8142">Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.2433.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.2433.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.213300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.213300" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract.213300">Investment securities held to maturity: COST BASIS</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10456.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10456.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.8150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.8150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.8150">Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10456.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10456.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.213308" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.213308" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.213308">Within 1 year</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10469.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10469.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.8168" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.8168" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.8168">Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10469.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
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    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.213307" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.213307">Within 1 year</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.213349" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.213349" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.213349">Held To Maturity Securities Debt Maturities Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield12.219489" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield12.219489" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield12.219489">Held To Maturity Securities, Debt Maturities, Yield.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.33575.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield7.213391" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield7.213391" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield7.213391">Total</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.33568.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.33568.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.213338" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.213338" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.213338">Held To Maturity Securities Debt Maturities Yield [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.33568.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract.33568.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract7.213395" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract7.213395" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract7.213395">Investment securities held to maturity: Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.213348" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.213348" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.213348">Held To Maturity Securities Debt Maturities Yield After Fifteen Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears12.213405" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears12.213405" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears12.213405">This item represents the yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.33574.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears7.213383" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears7.213383" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears7.213383">Over 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213344" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213344" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.213344">Held To Maturity Securities Debt Maturities Yield After Five Through Ten Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213402" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213402" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears12.213402">This item represents the yield percent of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.33572.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213370" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213370" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears7.213370">After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213342" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213342" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.213342">Held To Maturity Securities Debt Maturities Yield After One Through Five Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213401" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213401" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears12.213401">This item represents the yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.33571.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213364" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213364" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears7.213364">After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213345" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213345" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.213345">Held To Maturity Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213404" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213404" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears12.213404">This item represents the yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.33573.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears7.213376" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.33570.11.6" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.33570.11.12" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.33570.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear12.213400" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear12.213400" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear12.213400">This item represents the yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.33570.11.7" xlink:href="asrv-20121231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
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    <link:loc xlink:label="loc_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2.5407.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2.5407.11.42" xlink:to="AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2.222833" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.5983.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.1298" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.1298" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.1298">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.5983.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.5983.11.9" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.213424" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.213424" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.213424">Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.634.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.634.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.1256" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.1256" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.1256">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.634.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.634.11.7" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.213415" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.213415" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract.213415">Investment securities available for sale: FAIR VALUE</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2.5394.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2.5394.11.6" xlink:to="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2.276" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2.276" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2.276">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.5951.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.5951.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.1249" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.5970.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.5970.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.1278" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.1278" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.1278">Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.5970.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.5970.11.7" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.213422" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses.10454.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses.10454.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses.8148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses.10454.11.42" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses42.222834" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.2437.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.2437.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.8160" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.8160" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.8160">Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.2437.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.2437.11.7" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract.213430" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses.10475.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses" xlink:type="locator" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract.2430.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses.10470.11.42" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses42.222832" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10460.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10460.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.8154" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10460.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10460.11.7" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.213435" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.213435" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.213435">Less than 12 months</link:label>
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    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10464.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.8161" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10464.11.7" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.213437" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.213437" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.213437">12 months or longer</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12040.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
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    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.9867.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
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    <link:label xlink:label="lab_ConsumerPortfolioSegmentMember.213576" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsumerPortfolioSegmentMember.213576">Consumer [Member]</link:label>
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    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLosses.7217" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLosses.7217" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLosses.7217">Financing Receivable, Allowance for Credit Losses</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.10" xlink:to="lab_FinancingReceivableAllowanceForCreditLosses.214473" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLosses.214473" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLosses.214473">Balance January 1</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.11" xlink:to="lab_FinancingReceivableAllowanceForCreditLosses.214478" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLosses.214478" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLosses.214478">Balance December 31</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.9867.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesRecovery.9867.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesRecovery.7211" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesRecovery.7211" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesRecovery.7211">Financing Receivable, Allowance for Credit Losses, Recovery</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.9867.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesRecovery.9867.11.8" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesRecovery8.214492" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesRecovery8.214492" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesRecovery8.214492">RECOVERIES</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.9862.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.9862.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs.7203" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs.7203" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs.7203">Financing Receivable, Allowance for Credit Losses, Write-downs</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.9862.11.47" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.9862.11.47" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs47.214494" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs47.214494" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesWriteOffs47.214494">CHARGE- OFFS</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.14726.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProvisionForLoanLeaseAndOtherLosses.14726.11.6" xlink:to="lab_ProvisionForLoanLeaseAndOtherLosses.14973" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProvisionForLoanLeaseAndOtherLosses.14973" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProvisionForLoanLeaseAndOtherLosses.14973">Provision for Loan, Lease, and Other Losses</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.14726.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProvisionForLoanLeaseAndOtherLosses.14726.11.8" xlink:to="lab_ProvisionForLoanLeaseAndOtherLosses8.214493" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProvisionForLoanLeaseAndOtherLosses8.214493" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProvisionForLoanLeaseAndOtherLosses8.214493">PROVISION (CREDIT)</link:label>
    <link:loc xlink:label="loc_ResidentialPortfolioSegmentMember.4399.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ResidentialPortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ResidentialPortfolioSegmentMember.4399.11.6" xlink:to="lab_ResidentialPortfolioSegmentMember.214483" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ResidentialPortfolioSegmentMember.214483" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ResidentialPortfolioSegmentMember.214483">Real Estate- Mortgage [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4558.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4558.11.6" xlink:to="lab_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.16512" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.16512" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.16512">Schedule of Financing Receivable, Allowance for Credit Losses [Table]</link:label>
    <link:loc xlink:label="loc_UnallocatedFinancingReceivablesMember.5193.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_UnallocatedFinancingReceivablesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_UnallocatedFinancingReceivablesMember.5193.11.6" xlink:to="lab_UnallocatedFinancingReceivablesMember.214484" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_UnallocatedFinancingReceivablesMember.214484" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_UnallocatedFinancingReceivablesMember.214484">Allocation for General Risk [Member]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.9871.11.9" xlink:to="lab_FinancingReceivableAllowanceForCreditLosses9.214500" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLosses9.214500" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLosses9.214500">Total allowance for loan losses</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.9884.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.9884.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.7242" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.7242" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.7242">Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.9884.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.9884.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.214499" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.214499" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.214499">General reserve allocation</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.9850.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.9850.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.7187" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.7187" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.7187">Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.9850.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.9850.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.214498" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.214498" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.214498">Specific reserve allocation</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.9877.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.9877.11.6" xlink:to="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.7231" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.7231" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.7231">Financing Receivable, Collectively Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.9877.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.9877.11.7" xlink:to="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.214496" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.214496" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.214496">Collectively evaluated for impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.9869.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.9869.11.6" xlink:to="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.7214" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.7214" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.7214">Financing Receivable, Individually Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.9869.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
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    <link:label xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.214495" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.214495">Individually evaluated for impairment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10573.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
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    <link:label xlink:label="lab_ImpairedFinancingReceivableRecordedInvestment.8325" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableRecordedInvestment.8325">Impaired Financing Receivable, Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10573.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
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    <link:label xlink:label="lab_ImpairedFinancingReceivableRecordedInvestment.214517" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableRecordedInvestment.214517">Total impaired loans</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestmentAbstract.2489.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestmentAbstract.2489.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_ImpairedFinancingReceivableRecordedInvestmentAbstract7.214510" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableRecordedInvestmentAbstract7.214510">RECORDED INVESTMENT</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10576.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRelatedAllowance.10576.11.6" xlink:to="lab_ImpairedFinancingReceivableRelatedAllowance.8330" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableRelatedAllowance.8330" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableRelatedAllowance.8330">Impaired Financing Receivable, Related Allowance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10576.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRelatedAllowance.10576.11.7" xlink:to="lab_ImpairedFinancingReceivableRelatedAllowance.214513" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableRelatedAllowance.214513" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableRelatedAllowance.214513">Related allowance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10571.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10571.11.6" xlink:to="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.8322" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.8322" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.8322">Impaired Financing Receivable, Unpaid Principal Balance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10571.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10571.11.7" xlink:to="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.214516" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.214516" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableUnpaidPrincipalBalance.214516">Total impaired loans</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.2478.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.2478.11.6" xlink:to="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.8303" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.8303" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.8303">Impaired Financing Receivable, Unpaid Principal Balance [Abstract]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.2478.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.2478.11.7" xlink:to="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.214512" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.214512" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract.214512">UNPAID PRINCIPAL BALANCE</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.10575.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.10575.11.6" xlink:to="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.8329" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.8329" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.8329">Impaired Financing Receivable, with No Related Allowance, Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.10575.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.10575.11.7" xlink:to="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.214515" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.214515" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment.214515">Impaired loans with no specific allowance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.10562.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.10562.11.6" xlink:to="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.8309" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.8309" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.8309">Impaired Financing Receivable, with Related Allowance, Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.10562.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.10562.11.7" xlink:to="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.214514" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.214514" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment.214514">Impaired loans with specific allowance</link:label>
    <link:loc xlink:label="loc_ConsumerLoanMember.1118.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerLoanMember.1118.11.6" xlink:to="lab_ConsumerLoanMember.2932" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsumerLoanMember.2932" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsumerLoanMember.2932">Consumer Loan [Member]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2174.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableImpairedLineItems.2174.11.6" xlink:to="lab_FinancingReceivableImpairedLineItems.7212" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableImpairedLineItems.7212" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableImpairedLineItems.7212">Financing Receivable, Impaired [Line Items]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10568.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10568.11.6" xlink:to="lab_ImpairedFinancingReceivableAverageRecordedInvestment.8317" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableAverageRecordedInvestment.8317" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableAverageRecordedInvestment.8317">Impaired Financing Receivable, Average Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10568.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10568.11.7" xlink:to="lab_ImpairedFinancingReceivableAverageRecordedInvestment.214527" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableAverageRecordedInvestment.214527" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableAverageRecordedInvestment.214527">Average investment in impaired loans</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2476.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2476.11.6" xlink:to="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.8300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.8300" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.8300">Impaired Financing Receivable, Average Recorded Investment [Abstract]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2476.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2476.11.7" xlink:to="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.214526" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.214526" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.214526">Average impaired balance:</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.6" xlink:to="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.8346" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.8346" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.8346">Impaired Financing Receivable, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.7" xlink:to="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.214524" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.214524" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.214524">Interest income recognized on a cash basis on impaired loans</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.2488.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.2488.11.6" xlink:to="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.8340" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.8340" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.8340">Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.2488.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.2488.11.7" xlink:to="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.214523" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.214523" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract.214523">Interest income recognized:</link:label>
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4564.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4564.11.6" xlink:to="lab_ScheduleOfImpairedFinancingReceivableTable.16535" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfImpairedFinancingReceivableTable.16535" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfImpairedFinancingReceivableTable.16535">Schedule of Impaired Financing Receivable [Table]</link:label>
    <link:loc xlink:label="loc_CommercialPortfolioSegmentMember.1018.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialPortfolioSegmentMember.1018.11.6" xlink:to="lab_CommercialPortfolioSegmentMember.213573" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialPortfolioSegmentMember.213573" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommercialPortfolioSegmentMember.213573">Commercial [Member]</link:label>
    <link:loc xlink:label="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.6" xlink:href="asrv-20121231.xsd#asrv_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.6" xlink:to="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.214566" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.214566" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.214566">Commercial Receivables And Commercial Real Estate Portfolio Segment [Member]</link:label>
    <link:loc xlink:label="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.12" xlink:href="asrv-20121231.xsd#asrv_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.12" xlink:to="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember12.214567" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember12.214567" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember12.214567">Commercial Receivables And Commercial Real Estate Portfolio Segment [Member]</link:label>
    <link:loc xlink:label="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.7" xlink:href="asrv-20121231.xsd#asrv_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember.33713.11.7" xlink:to="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember7.214570" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember7.214570" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommercialReceivablesAndCommercialRealEstatePortfolioSegmentMember7.214570">Commercial and Commercial Loans Secured by Real Estate [Member]</link:label>
    <link:loc xlink:label="loc_DoubtfulMember.1264.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DoubtfulMember.1264.11.6" xlink:to="lab_DoubtfulMember.3457" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DoubtfulMember.3457" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DoubtfulMember.3457">Doubtful [Member]</link:label>
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    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.33340.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321">Financing Receivable Allowance For Credit Losses Threshold For Individually Evaluating Of Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.33340.11.12" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
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    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment12.212328" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment12.212328">Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</link:label>
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    <link:label xlink:label="lab_FinancingReceivableByCreditQualityIndicatorDomain.7215" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableByCreditQualityIndicatorDomain.7215">Financing Receivable, by Credit Quality Indicator [Domain]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableInformationByCreditQualityIndicatorAxis.2169.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" xlink:type="locator" />
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    <link:label xlink:label="lab_FinancingReceivableInformationByCreditQualityIndicatorAxis.7194" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableInformationByCreditQualityIndicatorAxis.7194">Credit Quality Indicator [Axis]</link:label>
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    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.214588" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.214588">Financing Receivable Minimum Percent Required To Be Reviewed</link:label>
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.33719.11.12" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
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    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed12.214611" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed12.214611">Financing Receivable, Minimum Percent Required To Be Reviewed.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.33719.11.7" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.33719.11.7" xlink:to="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed7.214604" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed7.214604" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed7.214604">Minimum percent of portfolio to be reviewed</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2176.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2176.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.7221" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.7221" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.7221">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2171.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2171.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.7204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.7204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.7204">Class of Financing Receivable [Domain]</link:label>
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    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.33722.11.12" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
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    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.33722.11.7" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.33722.11.7" xlink:to="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews7.214605" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews7.214605" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews7.214605">Minimum individual loan balance requiring quarterly review</link:label>
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.33723.11.6" xlink:href="asrv-20121231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.33723.11.6" xlink:to="lab_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.214602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.214602" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.214602">Number Of Consecutive Historical Quarters For Calculation Of Charge Off Factor</link:label>
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.33723.11.12" xlink:href="asrv-20121231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
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    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.33723.11.7" xlink:href="asrv-20121231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
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    <link:loc xlink:label="loc_PassMember.3751.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PassMember.3751.11.6" xlink:to="lab_PassMember.13205" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PassMember.13205" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PassMember.13205">Pass [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4698.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4698.11.6" xlink:to="lab_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.16942" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.16942" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.16942">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
    <link:loc xlink:label="loc_SpecialMentionMember.4920.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
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    <link:label xlink:label="lab_SpecialMentionMember.17803" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SpecialMentionMember.17803">Special Mention [Member]</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.33333.11.6" xlink:href="asrv-20121231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
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    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.212300" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.212300">Threshold Period Past Due For Write Off Of Financing Receivable</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.33333.11.12" xlink:href="asrv-20121231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.33333.11.12" xlink:to="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301">Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.33333.11.7" xlink:href="asrv-20121231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
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    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable7.212388" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable7.212388">Threshold for discontinuing accrual of interest income</link:label>
    <link:loc xlink:label="loc_SubstandardMember.4503.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SubstandardMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubstandardMember.4503.11.6" xlink:to="lab_SubstandardMember.16347" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SubstandardMember.16347" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SubstandardMember.16347">Substandard [Member]</link:label>
    <link:loc xlink:label="loc_ConsumerAndRealEstateMortgagePortfolioSegmentMember.33711.11.6" xlink:href="asrv-20121231.xsd#asrv_ConsumerAndRealEstateMortgagePortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerAndRealEstateMortgagePortfolioSegmentMember.33711.11.6" xlink:to="lab_ConsumerAndRealEstateMortgagePortfolioSegmentMember.214546" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsumerAndRealEstateMortgagePortfolioSegmentMember.214546" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsumerAndRealEstateMortgagePortfolioSegmentMember.214546">Consumer and Real Estate- Mortgage Portfolio Segment [Member]</link:label>
    <link:loc xlink:label="loc_ConsumerAndRealEstateMortgagePortfolioSegmentMember.33711.11.12" xlink:href="asrv-20121231.xsd#asrv_ConsumerAndRealEstateMortgagePortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerAndRealEstateMortgagePortfolioSegmentMember.33711.11.12" xlink:to="lab_ConsumerAndRealEstateMortgagePortfolioSegmentMember12.214547" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentLineItems.2167.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentLineItems.2167.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentLineItems.7189" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_NonperformingFinancingReceivableMember.3340.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingFinancingReceivableMember.3340.11.6" xlink:to="lab_NonperformingFinancingReceivableMember.214549" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingFinancingReceivableMember.214549" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingFinancingReceivableMember.214549">Non-Performing [Member]</link:label>
    <link:loc xlink:label="loc_NotesReceivableNet.12930.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NotesReceivableNet.12930.11.6" xlink:to="lab_NotesReceivableNet.12128" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_NotesReceivableNet.12930.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NotesReceivableNet.12930.11.7" xlink:to="lab_NotesReceivableNet.214548" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NotesReceivableNet.214548" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NotesReceivableNet.214548">Portfolio balance</link:label>
    <link:loc xlink:label="loc_PerformingFinancingReceivableMember.3750.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerformingFinancingReceivableMember.3750.11.6" xlink:to="lab_PerformingFinancingReceivableMember.214550" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PerformingFinancingReceivableMember.214550" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PerformingFinancingReceivableMember.214550">Performing [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4584.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4584.11.6" xlink:to="lab_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.16641" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.16641" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.16641">Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.9853.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.9853.11.6" xlink:to="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue.7192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue.7192" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue.7192">Financing Receivable, Recorded Investment, 30 to 59 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.9853.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.9853.11.7" xlink:to="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue7.214555" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue7.214555" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment30To59DaysPastDue7.214555">30-59 days past due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.9866.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.9866.11.6" xlink:to="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.7209" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.7209" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.7209">Financing Receivable, Recorded Investment, 60 to 89 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.9866.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.9866.11.7" xlink:to="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.214556" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.214556" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment60To89DaysPastDue.214556">60-89 days past due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.9839.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.9839.11.6" xlink:to="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.7174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.7174" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.7174">Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.9839.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.9839.11.7" xlink:to="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.214561" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.214561" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.214561">90 days past due and still accruing</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.9870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentCurrent.9870.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentCurrent.7216" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentCurrent.7216" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentCurrent.7216">Financing Receivable, Recorded Investment, Current</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.9870.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentCurrent.9870.11.7" xlink:to="lab_FinancingReceivableRecordedInvestmentCurrent.214554" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentCurrent.214554" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentCurrent.214554">Current</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.9865.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.9865.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.7208" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.7208" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.7208">Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.9865.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.9865.11.7" xlink:to="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.214557" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.214557" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.214557">90 days past due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.9874.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.9874.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentPastDue.7223" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentPastDue.7223" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentPastDue.7223">Financing Receivable, Recorded Investment, Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.9874.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.9874.11.9" xlink:to="lab_FinancingReceivableRecordedInvestmentPastDue.214559" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentPastDue.214559" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentPastDue.214559">Total past due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDueLineItems.2161.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDueLineItems.2161.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentPastDueLineItems.7164" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentPastDueLineItems.7164" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentPastDueLineItems.7164">Financing Receivable, Recorded Investment, Past Due [Line Items]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.6" xlink:to="lab_LoansAndLeasesReceivableNetOfDeferredIncome.10729" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetOfDeferredIncome.10729" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetOfDeferredIncome.10729">Loans and Leases Receivable, Net of Deferred Income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12111.11.9" xlink:to="lab_LoansAndLeasesReceivableNetOfDeferredIncome.214497" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetOfDeferredIncome.214497" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetOfDeferredIncome.214497">Total loans</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesPastDueTable.4579.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablesPastDueTable.4579.11.6" xlink:to="lab_ScheduleOfFinancingReceivablesPastDueTable.16631" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivablesPastDueTable.16631" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivablesPastDueTable.16631">Schedule of Financing Receivables Past Due [Table]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2164.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsLineItems.2164.11.6" xlink:to="lab_FinancingReceivableModificationsLineItems.7173" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsLineItems.7173" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsLineItems.7173">Financing Receivable, Modifications [Line Items]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsRecordedInvestment.9857.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsRecordedInvestment.9857.11.6" xlink:to="lab_FinancingReceivableModificationsRecordedInvestment.7197" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsRecordedInvestment.7197" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsRecordedInvestment.7197">Financing Receivable, Modifications, Recorded Investment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsRecordedInvestment.9857.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsRecordedInvestment.9857.11.7" xlink:to="lab_FinancingReceivableModificationsRecordedInvestment.214676" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsRecordedInvestment.214676" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsRecordedInvestment.214676">Total restructured loans not in non-accrual (TDR)</link:label>
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2182.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2182.11.6" xlink:to="lab_FinancingReceivableTroubledDebtRestructuringAxis.7238" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableTroubledDebtRestructuringAxis.7238" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableTroubledDebtRestructuringAxis.7238">Financing Receivable, Troubled Debt Restructuring [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2183.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2183.11.6" xlink:to="lab_FinancingReceivableTroubledDebtRestructuringDomain.7239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableTroubledDebtRestructuringDomain.7239" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableTroubledDebtRestructuringDomain.7239">Financing Receivable, Troubled Debt Restructuring [Domain]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12115.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12115.11.6" xlink:to="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.10734" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.10734" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.10734">Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12115.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12115.11.7" xlink:to="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.214674" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.214674" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.214674">Non-accrual loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12117.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12117.11.6" xlink:to="lab_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.10738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.10738" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.10738">Loans and Leases Receivable, Ratio of Nonperforming Loans to All Loans</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.6" xlink:href="asrv-20121231.xsd#asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.6" xlink:to="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings.214671" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings.214671" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings.214671">Non Performing Assets Including Trouble Debt Restructurings</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.12" xlink:href="asrv-20121231.xsd#asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.12" xlink:to="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings12.219507" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings12.219507" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings12.219507">Non Performing Assets Including Trouble Debt Restructurings.</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.9" xlink:href="asrv-20121231.xsd#asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubleDebtRestructurings.33738.11.9" xlink:to="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings9.214677" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings9.214677" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NonPerformingAssetsIncludingTroubleDebtRestructurings9.214677">Total non-performing assets including TDR</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4567.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4567.11.6" xlink:to="lab_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.16545" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.16545" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.16545">Schedule of Financing Receivable, Troubled Debt Restructurings [Table]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12117.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12117.11.7" xlink:to="lab_Totalnon-performingassetsasapercentofloansnetofunearnedincomeandotherrealestateowned.214678" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Totalnon-performingassetsasapercentofloansnetofunearnedincomeandotherrealestateowned.214678" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Totalnon-performingassetsasapercentofloansnetofunearnedincomeandotherrealestateowned.214678">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.6" xlink:href="asrv-20121231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.6" xlink:to="lab_BorrowersAggregateExposureForLoanModificationMinimum.215156" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowersAggregateExposureForLoanModificationMinimum.215156" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BorrowersAggregateExposureForLoanModificationMinimum.215156">Borrowers Aggregate Exposure For Loan Modification Minimum</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.12" xlink:href="asrv-20121231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.12" xlink:to="lab_BorrowersAggregateExposureForLoanModificationMinimum12.215157" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowersAggregateExposureForLoanModificationMinimum12.215157" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BorrowersAggregateExposureForLoanModificationMinimum12.215157">Borrowers aggregate exposure for loan modification minimum.</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.7" xlink:href="asrv-20121231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.33785.11.7" xlink:to="lab_BorrowersAggregateExposureForLoanModificationMinimum7.215158" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowersAggregateExposureForLoanModificationMinimum7.215158" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BorrowersAggregateExposureForLoanModificationMinimum7.215158">Borrowers aggregate exposure for loan modification, minimum</link:label>
    <link:loc xlink:label="loc_AccrualStatusMember.77136.11.6" xlink:href="asrv-20121231.xsd#asrv_AccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccrualStatusMember.77136.11.6" xlink:to="lab_AccrualStatusMember.407475" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccrualStatusMember.407475" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccrualStatusMember.407475">Accrual Status [Member]</link:label>
    <link:loc xlink:label="loc_ConsumerLoanMember.1118.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerLoanMember.1118.11.7" xlink:to="lab_ConsumerLoanMember.406239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsumerLoanMember.406239" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ConsumerLoanMember.406239">Consumer [Member]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts1.9868.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsNumberOfContracts1.9868.11.6" xlink:to="lab_FinancingReceivableModificationsNumberOfContracts1.7213" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsNumberOfContracts1.7213" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsNumberOfContracts1.7213">Financing Receivable, Modifications, Number of Contracts</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts1.9868.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsNumberOfContracts1.9868.11.7" xlink:to="lab_FinancingReceivableModificationsNumberOfContracts17.215239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsNumberOfContracts17.215239" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsNumberOfContracts17.215239"># of Loans</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment1.9837.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsPostModificationRecordedInvestment1.9837.11.6" xlink:to="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.7171" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.7171" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.7171">Financing Receivable, Modifications, Post-Modification Recorded Investment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment1.9837.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsPostModificationRecordedInvestment1.9837.11.7" xlink:to="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.215237" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.215237" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsPostModificationRecordedInvestment1.215237">Current Balance</link:label>
    <link:loc xlink:label="loc_FinancingReceivableStatusAxis.77134.11.6" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableStatusAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableStatusAxis.77134.11.6" xlink:to="lab_FinancingReceivableStatusAxis.407473" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableStatusAxis.407473" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableStatusAxis.407473">Financing Receivable Status [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableStatusDomain.77135.11.6" xlink:href="asrv-20121231.xsd#asrv_FinancingReceivableStatusDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableStatusDomain.77135.11.6" xlink:to="lab_FinancingReceivableStatusDomain.407474" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableStatusDomain.407474" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableStatusDomain.407474">Financing Receivable Status [Domain]</link:label>
    <link:loc xlink:label="loc_NonAccrualStatusMember.77137.11.6" xlink:href="asrv-20121231.xsd#asrv_NonAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonAccrualStatusMember.77137.11.6" xlink:to="lab_NonAccrualStatusMember.407476" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonAccrualStatusMember.407476" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonAccrualStatusMember.407476">Non Accrual Status [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.10585.11.42" xlink:to="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod42.215329" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod42.215329" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivableInterestIncomeCashBasisMethod42.215329">Interest income recorded</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.12090.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.12090.11.6" xlink:to="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.10701" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.10701" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.10701">Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.12090.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.12090.11.7" xlink:to="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.215328" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.215328" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans.215328">Net reduction in interest income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12099.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12099.11.6" xlink:to="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.10715" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.10715" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.10715">Loans and Leases Receivable, Impaired, Troubled Debt, Interest Income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12099.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12099.11.7" xlink:to="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.215330" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.215330" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.215330">Interest income due in accordance with original terms</link:label>
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5600.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5600.11.6" xlink:to="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.627" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.627" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.627">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</link:label>
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5600.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5600.11.7" xlink:to="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240">Less: Accumulated depreciation and amortization</link:label>
    <link:loc xlink:label="loc_BuildingMember.706.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BuildingMember.706.11.6" xlink:to="lab_BuildingMember.212306" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BuildingMember.212306" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BuildingMember.212306">Buildings [Member]</link:label>
    <link:loc xlink:label="loc_BuildingMember.706.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BuildingMember.706.11.7" xlink:to="lab_BuildingMember7.215331" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BuildingMember7.215331" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BuildingMember7.215331">Premises [Member]</link:label>
    <link:loc xlink:label="loc_Depreciation.8049.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Depreciation.8049.11.6" xlink:to="lab_Depreciation.4498" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Depreciation.4498" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Depreciation.4498">Depreciation</link:label>
    <link:loc xlink:label="loc_Depreciation.8049.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Depreciation.8049.11.7" xlink:to="lab_Depreciation.212243" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Depreciation.212243" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Depreciation.212243">Depreciation expense</link:label>
    <link:loc xlink:label="loc_LandMember.2900.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LandMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LandMember.2900.11.6" xlink:to="lab_LandMember.9996" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LandMember.9996" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LandMember.9996">Land [Member]</link:label>
    <link:loc xlink:label="loc_LeaseholdImprovementsMember.2905.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeaseholdImprovementsMember.2905.11.6" xlink:to="lab_LeaseholdImprovementsMember.10019" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeaseholdImprovementsMember.10019" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LeaseholdImprovementsMember.10019">Leasehold Improvements [Member]</link:label>
    <link:loc xlink:label="loc_MachineryAndEquipmentMember.3180.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MachineryAndEquipmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MachineryAndEquipmentMember.3180.11.6" xlink:to="lab_MachineryAndEquipmentMember.11209" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MachineryAndEquipmentMember.11209" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MachineryAndEquipmentMember.11209">Machinery and Equipment [Member]</link:label>
    <link:loc xlink:label="loc_MachineryAndEquipmentMember.3180.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MachineryAndEquipmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MachineryAndEquipmentMember.3180.11.7" xlink:to="lab_MachineryAndEquipmentMember.215332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MachineryAndEquipmentMember.215332" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_MachineryAndEquipmentMember.215332">Furniture and Equipment [Member]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4117.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4117.11.6" xlink:to="lab_PropertyPlantAndEquipmentByTypeAxis.14927" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentByTypeAxis.14927" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentByTypeAxis.14927">Property, Plant and Equipment, Type [Axis]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.14698.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentGross.14698.11.6" xlink:to="lab_PropertyPlantAndEquipmentGross.14920" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentGross.14920" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentGross.14920">Property, Plant and Equipment, Gross</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.14698.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentGross.14698.11.7" xlink:to="lab_PropertyPlantAndEquipmentGross.212239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentGross.212239" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentGross.212239">Cost</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4115.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4115.11.6" xlink:to="lab_PropertyPlantAndEquipmentLineItems.14919" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentLineItems.14919" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentLineItems.14919">Property, Plant and Equipment [Line Items]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.14697.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.14697.11.9" xlink:to="lab_PropertyPlantAndEquipmentNet.212241" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentNet.212241" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentNet.212241">Net book value</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4099.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4099.11.6" xlink:to="lab_PropertyPlantAndEquipmentTypeDomain.14865" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentTypeDomain.14865" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentTypeDomain.14865">Property, Plant and Equipment, Type [Domain]</link:label>
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4693.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4693.11.6" xlink:to="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928">Schedule of Property, Plant and Equipment [Table]</link:label>
    <link:loc xlink:label="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1456.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1456.11.6" xlink:to="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4471" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4471" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4471">Deposits, Interest-bearing and Noninterest-bearing, Alternative [Abstract]</link:label>
    <link:loc xlink:label="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1456.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1456.11.7" xlink:to="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338">Demand:</link:label>
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8034.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsMoneyMarketDeposits.8034.11.6" xlink:to="lab_DepositsMoneyMarketDeposits.4465" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsMoneyMarketDeposits.4465" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsMoneyMarketDeposits.4465">Deposits, Money Market Deposits</link:label>
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8034.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsMoneyMarketDeposits.8034.11.7" xlink:to="lab_DepositsMoneyMarketDeposits.215340" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsMoneyMarketDeposits.215340" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsMoneyMarketDeposits.215340">Money market</link:label>
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8039.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsSavingsDeposits.8039.11.6" xlink:to="lab_DepositsSavingsDeposits.4478" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsSavingsDeposits.4478" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsSavingsDeposits.4478">Deposits, Savings Deposits</link:label>
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8039.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsSavingsDeposits.8039.11.7" xlink:to="lab_DepositsSavingsDeposits.215339" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsSavingsDeposits.215339" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsSavingsDeposits.215339">Savings</link:label>
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11317.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDomesticDepositDemand.11317.11.6" xlink:to="lab_InterestBearingDomesticDepositDemand.9497" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDomesticDepositDemand.9497" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDomesticDepositDemand.9497">Interest-bearing Domestic Deposit, Demand</link:label>
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11317.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDomesticDepositDemand.11317.11.7" xlink:to="lab_InterestBearingDomesticDepositDemand.215334" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDomesticDepositDemand.215334" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDomesticDepositDemand.215334">Interest bearing</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.12868.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDomesticDepositDemand.12868.11.6" xlink:to="lab_NoninterestBearingDomesticDepositDemand.12012" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDomesticDepositDemand.12012" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDomesticDepositDemand.12012">Noninterest-bearing Domestic Deposit, Demand</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.12868.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDomesticDepositDemand.12868.11.7" xlink:to="lab_NoninterestBearingDomesticDepositDemand.215335" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDomesticDepositDemand.215335" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDomesticDepositDemand.215335">Non-interest bearing</link:label>
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    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.33827.11.12" xlink:href="asrv-20121231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.33827.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore7.215347" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_MaturitiesOfTimeDepositsAbstract.3234.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.33319.11.12" xlink:to="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233">Contractual Maturities Of Time Deposits $100,000 Or More, Year Two.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.33319.11.7" xlink:href="asrv-20121231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.33319.11.7" xlink:to="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234">2014</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.33320.11.12" xlink:href="asrv-20121231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.33320.11.12" xlink:to="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236">Contractual Maturities Of Time Deposits $100,000 Or More, Year Three.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.33320.11.7" xlink:href="asrv-20121231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.33320.11.7" xlink:to="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237">2015</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.16916.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesAfterYearFive.16916.11.6" xlink:to="lab_TimeDepositMaturitiesAfterYearFive.18428" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesAfterYearFive.18428" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesAfterYearFive.18428">Time Deposit Maturities, after Year Five</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.16916.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesAfterYearFive.16916.11.7" xlink:to="lab_TimeDepositMaturitiesAfterYearFive.215381" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesAfterYearFive.215381" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesAfterYearFive.215381">2018 and after</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.16912.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFive.16912.11.6" xlink:to="lab_TimeDepositMaturitiesYearFive.18422" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFive.18422" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFive.18422">Time Deposit Maturities, Year Five</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.16912.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFive.16912.11.7" xlink:to="lab_TimeDepositMaturitiesYearFive.215379" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFive.215379" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFive.215379">2017</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.16935.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFour.16935.11.6" xlink:to="lab_TimeDepositMaturitiesYearFour.18454" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFour.18454" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFour.18454">Time Deposit Maturities, Year Four</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.16935.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFour.16935.11.7" xlink:to="lab_TimeDepositMaturitiesYearFour.215377" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFour.215377" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFour.215377">2016</link:label>
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    <link:label xlink:label="lab_TimeDepositMaturitiesYearOne.18447" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearOne.18447">Time Deposit Maturities, Next Twelve Months</link:label>
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    <link:label xlink:label="lab_TimeDepositMaturitiesYearTwo.18475" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearTwo.18475">Time Deposit Maturities, Year Two</link:label>
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    <link:label xlink:label="lab_TimeDeposits.215384" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits.215384">Total</link:label>
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.16961.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits100000OrMore.16961.11.9" xlink:to="lab_TimeDeposits100000OrMore.215385" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits100000OrMore.215385" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits100000OrMore.215385">Total</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7052.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7052.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3044" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3044" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3044">Contractual Maturities, Time Deposits, $100,000 or More, after 12 Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7052.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7052.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389">Over twelve months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7047.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7047.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3038" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3038" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3038">Contractual Maturities, Time Deposits, $100,000 or More, Six Months Through 12 Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7047.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7047.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388">Over six through twelve months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7044.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7044.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3034" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3034" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3034">Contractual Maturities, Time Deposits, $100,000 or More, Three Months or Less</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7044.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7044.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392">Three months or less</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7046.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7046.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3037" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3037" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3037">Contractual Maturities, Time Deposits, $100,000 or More, Three Months Through Six Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7046.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7046.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387">Over three through six months</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7486.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateDuringPeriod.7486.11.6" xlink:to="lab_DebtInstrumentInterestRateDuringPeriod.3669" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateDuringPeriod.3669" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateDuringPeriod.3669">Debt Instrument, Interest Rate During Period</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7486.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateDuringPeriod.7486.11.7" xlink:to="lab_DebtInstrumentInterestRateDuringPeriod.215460" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateDuringPeriod.215460" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateDuringPeriod.215460">Average rate paid for the year</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.12" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.12" xlink:to="lab_DebtInstrumentWeightedAverageTerm12.215457" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentWeightedAverageTerm12.215457" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentWeightedAverageTerm12.215457">Debt Instrument, Weighted Average Term.</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.7" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.7" xlink:to="lab_DebtInstrumentWeightedAverageTerm7.215462" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentWeightedAverageTerm7.215462" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentWeightedAverageTerm7.215462">Average maturity</link:label>
    <link:loc xlink:label="loc_FederalFundsPurchasedMember.2094.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalFundsPurchasedMember.2094.11.6" xlink:to="lab_FederalFundsPurchasedMember.6864" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalFundsPurchasedMember.6864" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalFundsPurchasedMember.6864">Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTable.4683.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShortTermDebtTable.4683.11.6" xlink:to="lab_ScheduleOfShortTermDebtTable.16904" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShortTermDebtTable.16904" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShortTermDebtTable.16904">Schedule of Short-term Debt [Table]</link:label>
    <link:loc xlink:label="loc_ShortTermBorrowings.16437.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermBorrowings.16437.11.6" xlink:to="lab_ShortTermBorrowings.17676" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermBorrowings.17676" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermBorrowings.17676">Short-term Debt</link:label>
    <link:loc xlink:label="loc_ShortTermBorrowings.16437.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermBorrowings.16437.11.7" xlink:to="lab_ShortTermBorrowings.215458" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermBorrowings.215458" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermBorrowings.215458">Balance</link:label>
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.15619.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtAverageOutstandingAmount.15619.11.6" xlink:to="lab_ShorttermDebtAverageOutstandingAmount.16390" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtAverageOutstandingAmount.16390" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtAverageOutstandingAmount.16390">Short-term Debt, Average Outstanding Amount</link:label>
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.15619.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtAverageOutstandingAmount.15619.11.7" xlink:to="lab_ShorttermDebtAverageOutstandingAmount.215451" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtAverageOutstandingAmount.215451" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtAverageOutstandingAmount.215451">Average balance during year</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.6" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.6" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.12" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.12" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.7" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.33849.11.7" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463">Short-Term Borrowings [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.6" xlink:href="asrv-20121231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.33851.11.6" xlink:to="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455">Short Term Debt Instrument Weighted Average Term</link:label>
    <link:loc xlink:label="loc_ShortTermDebtLineItems.4893.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtLineItems.4893.11.6" xlink:to="lab_ShortTermDebtLineItems.17697" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtLineItems.17697" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtLineItems.17697">Short-term Debt [Line Items]</link:label>
    <link:loc xlink:label="loc_ShorttermDebtMaximumMonthendOutstandingAmount.15617.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtMaximumMonthendOutstandingAmount.15617.11.6" xlink:to="lab_ShorttermDebtMaximumMonthendOutstandingAmount.16388" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtMaximumMonthendOutstandingAmount.16388" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtMaximumMonthendOutstandingAmount.16388">Short-term Debt, Maximum Month-end Outstanding Amount</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.4895.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTypeAxis.4895.11.6" xlink:to="lab_ShortTermDebtTypeAxis.17701" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTypeAxis.17701" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTypeAxis.17701">Short-term Debt, Type [Axis]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.4894.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTypeDomain.4894.11.6" xlink:to="lab_ShortTermDebtTypeDomain.17700" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTypeDomain.17700" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTypeDomain.17700">Short-term Debt, Type [Domain]</link:label>
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2089.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesActivityForYearAbstract.215495" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesActivityForYearAbstract.215495">BALANCE</link:label>
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.9620.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.9576.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.9576.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.6787" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.9576.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2079.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2079.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.6811" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.9664.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.9667.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.9667.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate.9656.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:type="locator" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate.9656.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.9642.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.169286" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.9652.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.6900" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.9652.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.169291" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.9647.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.9647.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.169292" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:label xlink:label="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.215536" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.215536">Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</link:label>
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    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1174.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
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    <link:loc xlink:label="loc_DerivativeAssets.8080.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
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    <link:loc xlink:label="loc_DerivativeLiabilities.8103.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
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    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2024.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
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    <link:loc xlink:label="loc_FairValueMeasurementsRecurringMember.1906.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_AccountsReceivableFairValueDisclosure.5437.11.6" xlink:to="lab_AccountsReceivableFairValueDisclosure.366" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccountsReceivableFairValueDisclosure.366" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccountsReceivableFairValueDisclosure.366">Accounts Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_AccountsReceivableFairValueDisclosure.5437.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableFairValueDisclosure.5437.11.7" xlink:to="lab_AccountsReceivableFairValueDisclosure.215705" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccountsReceivableFairValueDisclosure.215705" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccountsReceivableFairValueDisclosure.215705">Accrued income receivable</link:label>
    <link:loc xlink:label="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.6" xlink:href="asrv-20121231.xsd#asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.6" xlink:to="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.215728" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.215728" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.215728">Assets And Liabilities Considered Financial Instruments Percentage</link:label>
    <link:loc xlink:label="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.12" xlink:href="asrv-20121231.xsd#asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.12" xlink:to="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage12.215729" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage12.215729" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage12.215729">Assets and liabilities considered financial instruments, percentage.</link:label>
    <link:loc xlink:label="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.7" xlink:href="asrv-20121231.xsd#asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage.33891.11.7" xlink:to="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage7.215730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage7.215730" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage7.215730">Assets and liabilities considered financial instruments, percentage</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesFairValueDisclosure.5956.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesFairValueDisclosure.5956.11.6" xlink:to="lab_AvailableForSaleSecuritiesFairValueDisclosure.1258" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesFairValueDisclosure.1258" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesFairValueDisclosure.1258">Available-for-sale Securities, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesFairValueDisclosure.5956.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesFairValueDisclosure.5956.11.7" xlink:to="lab_AvailableForSaleSecuritiesFairValueDisclosure.407623" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesFairValueDisclosure.407623" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesFairValueDisclosure.407623">Investment securities ? AFS</link:label>
    <link:loc xlink:label="loc_CarryingReportedAmountFairValueDisclosureMember.857.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CarryingReportedAmountFairValueDisclosureMember.857.11.6" xlink:to="lab_CarryingReportedAmountFairValueDisclosureMember.215725" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CarryingReportedAmountFairValueDisclosureMember.215725" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CarryingReportedAmountFairValueDisclosureMember.215725">Carrying Value [Member]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6594.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsFairValueDisclosure.6594.11.6" xlink:to="lab_CashAndCashEquivalentsFairValueDisclosure.2258" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsFairValueDisclosure.2258" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsFairValueDisclosure.2258">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6594.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsFairValueDisclosure.6594.11.7" xlink:to="lab_CashAndCashEquivalentsFairValueDisclosure.215715" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsFairValueDisclosure.215715" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsFairValueDisclosure.215715">Cash and cash equivalents</link:label>
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6599.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashSurrenderValueFairValueDisclosure.6599.11.6" xlink:to="lab_CashSurrenderValueFairValueDisclosure.2267" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashSurrenderValueFairValueDisclosure.2267" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashSurrenderValueFairValueDisclosure.2267">Cash Surrender Value, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6599.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashSurrenderValueFairValueDisclosure.6599.11.7" xlink:to="lab_CashSurrenderValueFairValueDisclosure.215719" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashSurrenderValueFairValueDisclosure.215719" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashSurrenderValueFairValueDisclosure.215719">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_DebtInstrumentFairValue.7383.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentFairValue.7383.11.6" xlink:to="lab_DebtInstrumentFairValue.3549" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentFairValue.3549" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentFairValue.3549">Debt Instrument, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DebtInstrumentFairValue.7383.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentFairValue.7383.11.7" xlink:to="lab_DebtInstrumentFairValue.215723" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentFairValue.215723" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentFairValue.215723">All other borrowings</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.6" xlink:href="asrv-20121231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.6" xlink:to="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure.215710" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure.215710" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure.215710">Deposits With No Stated Maturities Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.12" xlink:href="asrv-20121231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.12" xlink:to="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure12.215711" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure12.215711" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure12.215711">Deposits with no stated maturities fair value disclosure.</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.7" xlink:href="asrv-20121231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.33889.11.7" xlink:to="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure7.215726" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure7.215726" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturitiesFairValueDisclosure7.215726">Deposits with no stated maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.6" xlink:href="asrv-20121231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.6" xlink:to="lab_DepositsWithStatedMaturitiesFairValueDisclosure.215712" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturitiesFairValueDisclosure.215712" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturitiesFairValueDisclosure.215712">Deposits With Stated Maturities Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.12" xlink:href="asrv-20121231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.12" xlink:to="lab_DepositsWithStatedMaturitiesFairValueDisclosure12.219510" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturitiesFairValueDisclosure12.219510" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturitiesFairValueDisclosure12.219510">Deposits with stated maturities fair value disclosure.</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.7" xlink:href="asrv-20121231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.33890.11.7" xlink:to="lab_DepositsWithStatedMaturitiesFairValueDisclosure7.215727" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturitiesFairValueDisclosure7.215727" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturitiesFairValueDisclosure7.215727">Deposits with stated maturities</link:label>
    <link:loc xlink:label="loc_DerivativeAssets.8080.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeAssets.8080.11.7" xlink:to="lab_DerivativeAssets.215720" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeAssets.215720" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeAssets.215720">Fair value swap asset</link:label>
    <link:loc xlink:label="loc_DerivativeLiabilities.8103.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeLiabilities.8103.11.7" xlink:to="lab_DerivativeLiabilities.215724" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeLiabilities.215724" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeLiabilities.215724">Fair value swap liability</link:label>
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.1962.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.1962.11.6" xlink:to="lab_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.6398" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.6398" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.6398">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTable.1994.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByBalanceSheetGroupingTable.1994.11.6" xlink:to="lab_FairValueByBalanceSheetGroupingTable.6499" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueByBalanceSheetGroupingTable.6499" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueByBalanceSheetGroupingTable.6499">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:label="loc_FairValueByMeasurementBasisAxis.1941.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByMeasurementBasisAxis.1941.11.6" xlink:to="lab_FairValueByMeasurementBasisAxis.6304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueByMeasurementBasisAxis.6304" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueByMeasurementBasisAxis.6304">Measurement Basis [Axis]</link:label>
    <link:loc xlink:label="loc_FairValueDisclosureItemAmountsDomain.1988.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosureItemAmountsDomain.1988.11.6" xlink:to="lab_FairValueDisclosureItemAmountsDomain.6487" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueDisclosureItemAmountsDomain.6487" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueDisclosureItemAmountsDomain.6487">Fair Value, Disclosure Item Amounts [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2026.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel2Member.2026.11.7" xlink:to="lab_FairValueInputsLevel2Member.216937" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueInputsLevel2Member.216937" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueInputsLevel2Member.216937">Level 2 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2022.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel3Member.2022.11.7" xlink:to="lab_FairValueInputsLevel3Member.141122" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2114.11.7" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.215721" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:label xlink:label="lab_IncomeTaxReconciliationOtherReconcilingItems.215739" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationOtherReconcilingItems.215739">Other</link:label>
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    <link:loc xlink:label="loc_IncomeTaxReconciliationTaxExemptIncome.10740.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_DeferredIncomeTaxLiabilities.7610.11.6" xlink:to="lab_DeferredIncomeTaxLiabilities.3876" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxLiabilities.3876" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxLiabilities.3876">Deferred Tax Liabilities, Gross</link:label>
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    <link:labelArc xlink:from="loc_DeferredIncomeTaxLiabilities.7610.11.45" xlink:to="lab_DeferredIncomeTaxLiabilities45.215757" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7635.11.9" xlink:to="lab_DeferredTaxAssetsLiabilitiesNet.215758" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DeferredTaxAssetsNet.7623.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:type="locator" />
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    <link:label xlink:label="lab_DeferredTaxAssetsNet.3901" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsNet.3901">Deferred Tax Assets, Net of Valuation Allowance</link:label>
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    <link:label xlink:label="lab_DeferredTaxAssetsNet.215753" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsNet.215753">Total tax assets</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsNetAbstract.1361.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_DeferredTaxAssetsOperatingLossCarryforwards.7678.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="locator" />
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    <link:label xlink:label="lab_DeferredTaxAssetsOther.215751" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsOther.215751">Other</link:label>
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    <link:loc xlink:label="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7711.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.34344.11.7" xlink:to="lab_AllowanceForLoanLossesString.222618" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForLoanLossesString.222618" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForLoanLossesString.222618">Allowance For Loan Losses String</link:label>
    <link:loc xlink:label="loc_DebtSecuritiesMember.1297.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtSecuritiesMember.1297.11.6" xlink:to="lab_DebtSecuritiesMember.216824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtSecuritiesMember.216824" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtSecuritiesMember.216824">Fixed Income Securities [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetGainsLosses.7827.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetGainsLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetGainsLosses.7827.11.6" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetGainsLosses.4187" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetGainsLosses.4187" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetGainsLosses.4187">Defined Benefit Plan, Amortization of Net Gains (Losses)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.7814.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.7814.11.6" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.4170" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.4170" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.4170">Defined Benefit Plan, Amortization of Net Prior Service Cost (Credit)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.7814.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.7814.11.42" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.222982" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.222982" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit.222982">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.7851.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.7851.11.6" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4218" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4218" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4218">Defined Benefit Plan, Amortization of Net Transition Asset (Obligation)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.7851.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.7851.11.7" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.216809" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.216809" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.216809">Estimated transition asset that will be amortized from accumulated other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.7796.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.7796.11.6" xlink:to="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4148" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4148">Defined Benefit Plan, Amount of Employer and Related Party Securities Included in Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.7796.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.7796.11.7" xlink:to="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300">AmeriServ Financial, Inc. common stock held</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.7831.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.7831.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4192" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4192">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.7831.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.7831.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810">Expected return on plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1443.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1443.11.6" xlink:to="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397">Defined Benefit Plan, Asset Categories [Axis]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1409.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1409.11.6" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems.4234" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanDisclosureLineItems.4234" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanDisclosureLineItems.4234">Defined Benefit Plan Disclosure [Line Items]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1409.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1409.11.7" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems.216799" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanDisclosureLineItems.216799" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanDisclosureLineItems.216799">PENSION PLANS:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.7949.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.7949.11.6" xlink:to="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.4354" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.4354" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.4354">Defined Benefit Plan, Estimated Future Employer Contributions in Next Fiscal Year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.7949.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.7949.11.7" xlink:to="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.216304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.216304" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear.216304">Expected contribution in 2013</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.6" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.6" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301">Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.12" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.12" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804">Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.7" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.34002.11.7" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.6" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.6" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.216298" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.216298" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.216298">Defined Benefit Plan Minimum Number Of Annual Employee Hours</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.12" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.12" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800">Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.7" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.34000.11.7" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802">Minimum number of annual hours</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1423.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1423.11.6" xlink:to="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300">Defined Benefit Plans and Other Postretirement Benefit Plans [Axis]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1431.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansDomain.1431.11.6" xlink:to="lab_DefinedBenefitPlansDomain.4332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansDomain.4332" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansDomain.4332">Defined Benefit Plans and Other Postretirement Benefit Plans [Domain]</link:label>
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    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocations.7882.11.6" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocations.4260" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocations.7882.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.7846.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.7846.11.6" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4210" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4210" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4210">Defined Benefit Plan, Target Plan Asset Allocations Range Maximum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.7846.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.7846.11.7" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813">Target allocation, maximum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.7820.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.7820.11.6" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4176" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4176" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4176">Defined Benefit Plan, Target Plan Asset Allocations Range Minimum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.7820.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.7820.11.7" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811">Target allocation, minimum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.34001.11.6" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.34001.11.6" xlink:to="lab_DefinedBenefitPlanVestingPeriod.216299" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod.216299" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod.216299">Defined Benefit Plan Vesting Period</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.34001.11.12" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.34001.11.12" xlink:to="lab_DefinedBenefitPlanVestingPeriod12.216801" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod12.216801" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod12.216801">Defined Benefit Plan, Vesting Period.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.34001.11.7" xlink:href="asrv-20121231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.34001.11.7" xlink:to="lab_DefinedBenefitPlanVestingPeriod7.216803" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod7.216803" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod7.216803">Vesting term</link:label>
    <link:loc xlink:label="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1429.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1429.11.6" xlink:to="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4328" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4328" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4328">Defined Contribution Pension and Other Postretirement Plans Disclosure [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1429.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1429.11.7" xlink:to="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815">401(k) PLAN:</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.6" xlink:href="asrv-20121231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.6" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797">Defined Contribution Plan Amount Of Entity Common Stock And Securities Held</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.12" xlink:href="asrv-20121231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.12" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823">Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.7" xlink:href="asrv-20121231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.34092.11.7" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanCostRecognized.7934.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanCostRecognized.7934.11.6" xlink:to="lab_DefinedContributionPlanCostRecognized.4335" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanCostRecognized.4335" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanCostRecognized.4335">Defined Contribution Plan, Cost Recognized</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanCostRecognized.7934.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanCostRecognized.7934.11.7" xlink:to="lab_DefinedContributionPlanCostRecognized.216817" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanCostRecognized.216817" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanCostRecognized.216817">Contributions to charged to operations</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanEmployerMatchingContributionPercent.7877.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanEmployerMatchingContributionPercent.7877.11.6" xlink:to="lab_DefinedContributionPlanEmployerMatchingContributionPercent.4254" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanEmployerMatchingContributionPercent.4254" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanEmployerMatchingContributionPercent.4254">Defined Contribution Plan, Employer Matching Contribution, Percent</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanEmployerMatchingContributionPercent.7877.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanEmployerMatchingContributionPercent.7877.11.7" xlink:to="lab_DefinedContributionPlanEmployerMatchingContributionPercent7.216820" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanEmployerMatchingContributionPercent7.216820" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanEmployerMatchingContributionPercent7.216820">Employer match percentage</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.7803.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.7803.11.6" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.4156" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.4156" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.4156">Defined Contribution Plan, Maximum Annual Contribution Per Employee, Percent</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.7803.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.7803.11.7" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.216818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.216818" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent.216818">Maximum percent of salary</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.34344.11.6" xlink:href="asrv-20121231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.34344.11.6" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694">Defined Contribution Plan Maximum Annual Contribution Per Union Employee Percent</link:label>
    <link:loc xlink:label="loc_EquitySecuritiesMember.1786.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquitySecuritiesMember.1786.11.6" xlink:to="lab_EquitySecuritiesMember.216921" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquitySecuritiesMember.216921" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquitySecuritiesMember.216921">Domestic Equities [Member]</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.34344.11.12" xlink:href="asrv-20121231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
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    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.3854.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PensionPlansDefinedBenefitMember.3854.11.6" xlink:to="lab_PensionPlansDefinedBenefitMember.216825" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PensionPlansDefinedBenefitMember.216825" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PensionPlansDefinedBenefitMember.216825">Pension Plans [Member]</link:label>
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.3872.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PlanAssetCategoriesDomain.3872.11.6" xlink:to="lab_PlanAssetCategoriesDomain.13741" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PlanAssetCategoriesDomain.13741" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PlanAssetCategoriesDomain.13741">Plan Asset Categories [Domain]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4632.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.7779.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.7779.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActualReturnOnPlanAssets.7779.11.7" xlink:to="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838">Actual return on plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.7823.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActuarialGainLoss.7823.11.6" xlink:to="lab_DefinedBenefitPlanActuarialGainLoss.4180" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActuarialGainLoss.4180" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActuarialGainLoss.4180">Defined Benefit Plan, Actuarial Gain (Loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.7823.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActuarialGainLoss.7823.11.42" xlink:to="lab_DefinedBenefitPlanActuarialGainLoss42.222988" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActuarialGainLoss42.222988" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActuarialGainLoss42.222988">Actuarial loss</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.7871.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.7871.11.6" xlink:to="lab_DefinedBenefitPlanBenefitObligation.4243" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.4243" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.4243">Defined Benefit Plan, Benefit Obligation</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.7871.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.7871.11.10" xlink:to="lab_DefinedBenefitPlanBenefitObligation.216841" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.216841" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.216841">Benefit obligation at beginning of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.7871.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.7871.11.11" xlink:to="lab_DefinedBenefitPlanBenefitObligation.216843" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.216843" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.216843">Benefit obligation at end of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.7801.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.7801.11.6" xlink:to="lab_DefinedBenefitPlanBenefitsPaid.4153" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid.4153" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid.4153">Defined Benefit Plan, Benefits Paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.7801.11.47" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.7801.11.47" xlink:to="lab_DefinedBenefitPlanBenefitsPaid.216839" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid.216839" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid.216839">Benefits paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.7801.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.7801.11.42" xlink:to="lab_DefinedBenefitPlanBenefitsPaid42.216837" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid42.216837" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid42.216837">Benefits paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1396.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1396.11.6" xlink:to="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4159" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4159" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4159">Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1396.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1396.11.7" xlink:to="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833">CHANGE IN BENEFIT OBLIGATION:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1392.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1392.11.6" xlink:to="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4130" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4130" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4130">Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1392.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1392.11.7" xlink:to="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834">CHANGE IN PLAN ASSETS:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.7839.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanContributionsByEmployer.7839.11.6" xlink:to="lab_DefinedBenefitPlanContributionsByEmployer.4202" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanContributionsByEmployer.4202" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanContributionsByEmployer.4202">Defined Benefit Plan, Contributions by Employer</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.7839.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanContributionsByEmployer.7839.11.7" xlink:to="lab_DefinedBenefitPlanContributionsByEmployer.216845" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanContributionsByEmployer.216845" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanContributionsByEmployer.216845">Employer contributions</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.10" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844">Fair value of plan assets at beginning of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.11" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846">Fair value of plan assets at end of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.7931.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.7931.11.6" xlink:to="lab_DefinedBenefitPlanFundedStatusOfPlan.4330" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFundedStatusOfPlan.4330" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFundedStatusOfPlan.4330">Defined Benefit Plan, Funded Status of Plan</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.7931.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.7931.11.9" xlink:to="lab_DefinedBenefitPlanFundedStatusOfPlan.216847" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFundedStatusOfPlan.216847" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFundedStatusOfPlan.216847">Funded status of the plan-under funded</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.7919.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInterestCost.7919.11.6" xlink:to="lab_DefinedBenefitPlanInterestCost.4311" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInterestCost.4311" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInterestCost.4311">Defined Benefit Plan, Interest Cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.7919.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInterestCost.7919.11.7" xlink:to="lab_DefinedBenefitPlanInterestCost.216836" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInterestCost.216836" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInterestCost.216836">Interest cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.7929.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanServiceCost.7929.11.6" xlink:to="lab_DefinedBenefitPlanServiceCost.4326" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanServiceCost.4326" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanServiceCost.4326">Defined Benefit Plan, Service Cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.7929.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanServiceCost.7929.11.7" xlink:to="lab_DefinedBenefitPlanServiceCost.216835" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanServiceCost.216835" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanServiceCost.216835">Service cost</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3530.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3530.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12321" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12321" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12321">Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3530.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3530.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957">FUTURE MINIMUM LEASE PAYMENTS</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13089.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13089.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12378" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12378" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12378">Operating Leases, Future Minimum Payments Due, Next Twelve Months</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13089.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13089.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958">2013</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13107.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13107.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12404" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12404" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12404">Operating Leases, Future Minimum Payments, Due in Five Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13107.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13107.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964">2017</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13094.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13094.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12385" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12385" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12385">Operating Leases, Future Minimum Payments, Due in Four Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13094.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13094.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963">2016</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13081.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13081.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12366" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12366" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12366">Operating Leases, Future Minimum Payments, Due in Three Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13081.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13081.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962">2015</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13087.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13087.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12376" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12376" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12376">Operating Leases, Future Minimum Payments, Due in Two Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13087.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13087.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960">2014</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13056.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13056.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12318" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12318" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12318">Operating Leases, Future Minimum Payments, Due Thereafter</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13056.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13056.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965">2018 and thereafter</link:label>
    <link:loc xlink:label="loc_OperatingLeasesRentExpenseNet.13072.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesRentExpenseNet.13072.11.6" xlink:to="lab_OperatingLeasesRentExpenseNet.12348" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesRentExpenseNet.12348" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesRentExpenseNet.12348">Operating Leases, Rent Expense, Net</link:label>
    <link:loc xlink:label="loc_OperatingLeasesRentExpenseNet.13072.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesRentExpenseNet.13072.11.7" xlink:to="lab_OperatingLeasesRentExpenseNet.216966" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesRentExpenseNet.216966" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesRentExpenseNet.216966">Rent expense included in total non-interest expense</link:label>
    <link:loc xlink:label="loc_CommitmentsToExtendCreditMember.1026.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommitmentsToExtendCreditMember.1026.11.6" xlink:to="lab_CommitmentsToExtendCreditMember.2682" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommitmentsToExtendCreditMember.2682" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommitmentsToExtendCreditMember.2682">Commitments to Extend Credit [Member]</link:label>
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9107.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9107.11.6" xlink:to="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6106" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6106" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6106">Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability</link:label>
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9107.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9107.11.7" xlink:to="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983">Carrying value of commitment</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12036.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12036.11.6" xlink:to="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.10623" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.10623" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.10623">Loans and Leases Receivable, Collateral for Secured Borrowings</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12036.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12036.11.7" xlink:to="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982">Amount of commitments secured</link:label>
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3139.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesByNatureOfContingencyAxis.3139.11.6" xlink:to="lab_LossContingenciesByNatureOfContingencyAxis.11095" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingenciesByNatureOfContingencyAxis.11095" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingenciesByNatureOfContingencyAxis.11095">Loss Contingency Nature [Axis]</link:label>
    <link:loc xlink:label="loc_LossContingenciesLineItems.3144.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesLineItems.3144.11.6" xlink:to="lab_LossContingenciesLineItems.11113" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingenciesLineItems.11113" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingenciesLineItems.11113">Loss Contingencies [Line Items]</link:label>
    <link:loc xlink:label="loc_LossContingenciesTable.3131.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingenciesTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesTable.3131.11.6" xlink:to="lab_LossContingenciesTable.11056" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingenciesTable.11056" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingenciesTable.11056">Loss Contingencies [Table]</link:label>
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3148.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyNatureDomain.3148.11.6" xlink:to="lab_LossContingencyNatureDomain.11135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyNatureDomain.11135" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyNatureDomain.11135">Loss Contingency, Nature [Domain]</link:label>
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12386.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyRangeOfPossibleLossMaximum.12386.11.6" xlink:to="lab_LossContingencyRangeOfPossibleLossMaximum.11161" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyRangeOfPossibleLossMaximum.11161" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyRangeOfPossibleLossMaximum.11161">Loss Contingency, Range of Possible Loss, Maximum</link:label>
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12386.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyRangeOfPossibleLossMaximum.12386.11.7" xlink:to="lab_LossContingencyRangeOfPossibleLossMaximum7.216980" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyRangeOfPossibleLossMaximum7.216980" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyRangeOfPossibleLossMaximum7.216980">Amount of commitment</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.34114.11.6" xlink:href="asrv-20121231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.34114.11.6" xlink:to="lab_LossContingencyTermOfCommitment.216978" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment.216978" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment.216978">Loss Contingency Term Of Commitment</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.34114.11.12" xlink:href="asrv-20121231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.34114.11.12" xlink:to="lab_LossContingencyTermOfCommitment12.216984" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment12.216984" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment12.216984">Loss ontingency, Term Of Commitment.</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.34114.11.7" xlink:href="asrv-20121231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.34114.11.7" xlink:to="lab_LossContingencyTermOfCommitment7.216981" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment7.216981" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment7.216981">Term of commitment</link:label>
    <link:loc xlink:label="loc_MaximumMember.3241.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumMember.3241.11.6" xlink:to="lab_MaximumMember.11410" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MaximumMember.11410" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MaximumMember.11410">Maximum [Member]</link:label>
    <link:loc xlink:label="loc_MinimumMember.3248.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumMember.3248.11.6" xlink:to="lab_MinimumMember.11450" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumMember.11450" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MinimumMember.11450">Minimum [Member]</link:label>
    <link:loc xlink:label="loc_RangeAxis.4187.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeAxis.4187.11.6" xlink:to="lab_RangeAxis.15198" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeAxis.15198" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RangeAxis.15198">Range [Axis]</link:label>
    <link:loc xlink:label="loc_RangeMember.4188.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeMember.4188.11.6" xlink:to="lab_RangeMember.15199" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeMember.15199" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RangeMember.15199">Range [Domain]</link:label>
    <link:loc xlink:label="loc_StandbyLettersOfCreditMember.4946.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandbyLettersOfCreditMember.4946.11.6" xlink:to="lab_StandbyLettersOfCreditMember.17858" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StandbyLettersOfCreditMember.17858" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StandbyLettersOfCreditMember.17858">Standby Letters of Credit [Member]</link:label>
    <link:loc xlink:label="loc_ClassOfStockDomain.974.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfStockDomain.974.11.6" xlink:to="lab_ClassOfStockDomain.2537" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfStockDomain.2537" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfStockDomain.2537">Class of Stock [Domain]</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightAxis.967.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightAxis.967.11.6" xlink:to="lab_ClassOfWarrantOrRightAxis.2527" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightAxis.2527" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightAxis.2527">Class of Warrant or Right [Axis]</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightDomain.964.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightDomain.964.11.6" xlink:to="lab_ClassOfWarrantOrRightDomain.2523" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightDomain.2523" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightDomain.2523">Class of Warrant or Right [Domain]</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.6764.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.6764.11.6" xlink:to="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.2536" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.2536" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.2536">Class of Warrant or Right, Exercise Price of Warrants or Rights</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.6764.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.6764.11.7" xlink:to="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.217023" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.217023" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights.217023">Exercise price of warrant</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.6765.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.6765.11.6" xlink:to="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.2538" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.2538" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.2538">Class of Warrant or Right, Number of Securities Called by Warrants or Rights</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.6765.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights.6765.11.7" xlink:to="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights7.217021" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights7.217021" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights7.217021">Number of securities covered by warrant</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightTerm.34126.11.6" xlink:href="asrv-20121231.xsd#asrv_ClassOfWarrantOrRightTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightTerm.34126.11.6" xlink:to="lab_ClassOfWarrantOrRightTerm.217003" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightTerm.217003" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightTerm.217003">Class Of Warrant Or Right Term</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightTerm.34126.11.12" xlink:href="asrv-20121231.xsd#asrv_ClassOfWarrantOrRightTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightTerm.34126.11.12" xlink:to="lab_ClassOfWarrantOrRightTerm12.217004" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightTerm12.217004" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightTerm12.217004">Class Of Warrant Or Right, Term.</link:label>
    <link:loc xlink:label="loc_ClassOfWarrantOrRightTerm.34126.11.7" xlink:href="asrv-20121231.xsd#asrv_ClassOfWarrantOrRightTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfWarrantOrRightTerm.34126.11.7" xlink:to="lab_ClassOfWarrantOrRightTerm7.217022" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfWarrantOrRightTerm7.217022" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfWarrantOrRightTerm7.217022">Term of warrant</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.6" xlink:href="asrv-20121231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.6" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999">Minimum Percentage Tier One Capital To Be Maintained</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.12" xlink:href="asrv-20121231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.12" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000">Minimum percentage tier one capital to be maintained.</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.7" xlink:href="asrv-20121231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.34124.11.7" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019">Minimum Tier 1 capital required to pay dividends</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.13727.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfWarrants.13727.11.7" xlink:to="lab_PaymentsForRepurchaseOfWarrants.217008" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfWarrants.217008" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfWarrants.217008">Payments to repurchase warrants</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.34120.11.6" xlink:href="asrv-20121231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.34120.11.6" xlink:to="lab_PercentageOfLendingIncentiveFeePayable.216994" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PercentageOfLendingIncentiveFeePayable.216994" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PercentageOfLendingIncentiveFeePayable.216994">Percentage Of Lending Incentive Fee Payable</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.34120.11.12" xlink:href="asrv-20121231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.34120.11.12" xlink:to="lab_PercentageOfLendingIncentiveFeePayable12.216995" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PercentageOfLendingIncentiveFeePayable12.216995" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PercentageOfLendingIncentiveFeePayable12.216995">Percentage of lending incentive fee payable.</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.34120.11.7" xlink:href="asrv-20121231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.34120.11.7" xlink:to="lab_PercentageOfLendingIncentiveFeePayable7.217018" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PercentageOfLendingIncentiveFeePayable7.217018" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PercentageOfLendingIncentiveFeePayable7.217018">Lending incentive fee</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14136.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendRatePercentage.14136.11.6" xlink:to="lab_PreferredStockDividendRatePercentage.14042" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockDividendRatePercentage.14042" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendRatePercentage.14042">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14136.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendRatePercentage.14136.11.7" xlink:to="lab_PreferredStockDividendRatePercentage.217015" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockDividendRatePercentage.217015" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendRatePercentage.217015">Dividend rate</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14177.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreferenceValue.14177.11.6" xlink:to="lab_PreferredStockLiquidationPreferenceValue.14101" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreferenceValue.14101" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreferenceValue.14101">Preferred Stock, Liquidation Preference, Value</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14177.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreferenceValue.14177.11.7" xlink:to="lab_PreferredStockLiquidationPreferenceValue.217017" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreferenceValue.217017" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreferenceValue.217017">Aggregate liquidation preference</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.34125.11.6" xlink:href="asrv-20121231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.34125.11.6" xlink:to="lab_PreferredStockRedemptionPricePercentage.217001" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage.217001" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage.217001">Preferred Stock Redemption Price Percentage</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.34125.11.12" xlink:href="asrv-20121231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.34125.11.12" xlink:to="lab_PreferredStockRedemptionPricePercentage12.217002" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage12.217002" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage12.217002">Preferred Stock, Redemption, Price Percentage.</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.34125.11.7" xlink:href="asrv-20121231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.34125.11.7" xlink:to="lab_PreferredStockRedemptionPricePercentage7.217020" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage7.217020" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage7.217020">Redemption price, percent of liquidation amount</link:label>
    <link:loc xlink:label="loc_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14454.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14454.11.6" xlink:to="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14552" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14552" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14552">Proceeds from Issuance of Preferred Stock and Preference Stock</link:label>
    <link:loc xlink:label="loc_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14454.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.14454.11.7" xlink:to="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.217024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.217024" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock.217024">Proceeds allocated to preferred stock</link:label>
    <link:loc xlink:label="loc_ProceedsFromIssuanceOfWarrants.14458.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromIssuanceOfWarrants.14458.11.6" xlink:to="lab_ProceedsFromIssuanceOfWarrants.14559" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromIssuanceOfWarrants.14559" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromIssuanceOfWarrants.14559">Proceeds from Issuance of Warrants</link:label>
    <link:loc xlink:label="loc_ProceedsFromIssuanceOfWarrants.14458.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromIssuanceOfWarrants.14458.11.7" xlink:to="lab_ProceedsFromIssuanceOfWarrants.217025" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromIssuanceOfWarrants.217025" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromIssuanceOfWarrants.217025">Proceeds allocated to warrants</link:label>
    <link:loc xlink:label="loc_SeriesDPreferredStockMember.4814.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeriesDPreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SeriesDPreferredStockMember.4814.11.6" xlink:to="lab_SeriesDPreferredStockMember.17260" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SeriesDPreferredStockMember.17260" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SeriesDPreferredStockMember.17260">Series D Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.4813.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SeriesEPreferredStockMember.4813.11.6" xlink:to="lab_SeriesEPreferredStockMember.17259" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SeriesEPreferredStockMember.17259" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SeriesEPreferredStockMember.17259">Series E Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_StatementClassOfStockAxis.4962.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementClassOfStockAxis.4962.11.6" xlink:to="lab_StatementClassOfStockAxis.17881" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementClassOfStockAxis.17881" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementClassOfStockAxis.17881">Class of Stock [Axis]</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.16628.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesNewIssues.16628.11.6" xlink:to="lab_StockIssuedDuringPeriodSharesNewIssues.17977" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesNewIssues.17977" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesNewIssues.17977">Stock Issued During Period, Shares, New Issues</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.16628.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesNewIssues.16628.11.8" xlink:to="lab_StockIssuedDuringPeriodSharesNewIssues8.217013" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesNewIssues8.217013" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesNewIssues8.217013">Shares of stock issued</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.16603.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueNewIssues.16603.11.6" xlink:to="lab_StockIssuedDuringPeriodValueNewIssues.17939" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueNewIssues.17939" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueNewIssues.17939">Stock Issued During Period, Value, New Issues</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.16603.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueNewIssues.16603.11.8" xlink:to="lab_StockIssuedDuringPeriodValueNewIssues8.217014" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueNewIssues8.217014" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueNewIssues8.217014">Value of stock issued</link:label>
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.16633.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockRepurchasedDuringPeriodShares.16633.11.6" xlink:to="lab_StockRepurchasedDuringPeriodShares.17983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockRepurchasedDuringPeriodShares.17983" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockRepurchasedDuringPeriodShares.17983">Stock Repurchased During Period, Shares</link:label>
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.16633.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockRepurchasedDuringPeriodShares.16633.11.7" xlink:to="lab_StockRepurchasedDuringPeriodShares.217016" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockRepurchasedDuringPeriodShares.217016" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockRepurchasedDuringPeriodShares.217016">Shares of stock repurchased</link:label>
    <link:loc xlink:label="loc_WarrantIssuedToUSTreasuryMember.34130.11.6" xlink:href="asrv-20121231.xsd#asrv_WarrantIssuedToUSTreasuryMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantIssuedToUSTreasuryMember.34130.11.6" xlink:to="lab_WarrantIssuedToUSTreasuryMember.217009" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantIssuedToUSTreasuryMember.217009" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_WarrantIssuedToUSTreasuryMember.217009">Warrant Issued to U S Treasury [Member]</link:label>
    <link:loc xlink:label="loc_WarrantIssuedToUSTreasuryMember.34130.11.12" xlink:href="asrv-20121231.xsd#asrv_WarrantIssuedToUSTreasuryMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantIssuedToUSTreasuryMember.34130.11.12" xlink:to="lab_WarrantIssuedToUSTreasuryMember12.217010" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantIssuedToUSTreasuryMember12.217010" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_WarrantIssuedToUSTreasuryMember12.217010">Warrant Issued to U S Treasury [Member]</link:label>
    <link:loc xlink:label="loc_WarrantIssuedToUSTreasuryMember.34130.11.7" xlink:href="asrv-20121231.xsd#asrv_WarrantIssuedToUSTreasuryMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantIssuedToUSTreasuryMember.34130.11.7" xlink:to="lab_WarrantIssuedToUSTreasuryMember7.217011" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantIssuedToUSTreasuryMember7.217011" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_WarrantIssuedToUSTreasuryMember7.217011">Warrant Issued to US Treasury [Member]</link:label>
    <link:loc xlink:label="loc_PeriodAxis.34465.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodAxis.34465.11.6" xlink:to="lab_PeriodAxis.219443" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodAxis.219443" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodAxis.219443">Period [Axis]</link:label>
    <link:loc xlink:label="loc_PeriodAxis.34465.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodAxis.34465.11.12" xlink:to="lab_PeriodAxis12.219453" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodAxis12.219453" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodAxis12.219453">Period [Axis]</link:label>
    <link:loc xlink:label="loc_PeriodDomain.34466.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodDomain.34466.11.6" xlink:to="lab_PeriodDomain.219444" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodDomain.219444" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodDomain.219444">Period [Domain]</link:label>
    <link:loc xlink:label="loc_PeriodDomain.34466.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodDomain.34466.11.12" xlink:to="lab_PeriodDomain12.219454" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodDomain12.219454" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodDomain12.219454">Period [Domain]</link:label>
    <link:loc xlink:label="loc_PeriodFourMember.34471.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodFourMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodFourMember.34471.11.6" xlink:to="lab_PeriodFourMember.219452" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodFourMember.219452" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodFourMember.219452">Period Four [Member]</link:label>
    <link:loc xlink:label="loc_PeriodFourMember.34471.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodFourMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodFourMember.34471.11.12" xlink:to="lab_PeriodFourMember12.219458" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodFourMember12.219458" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodFourMember12.219458">Period Four [Member]</link:label>
    <link:loc xlink:label="loc_PeriodOneMember.34467.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodOneMember.34467.11.6" xlink:to="lab_PeriodOneMember.219445" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodOneMember.219445" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodOneMember.219445">Period One [Member]</link:label>
    <link:loc xlink:label="loc_PeriodOneMember.34467.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodOneMember.34467.11.12" xlink:to="lab_PeriodOneMember12.219455" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodOneMember12.219455" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodOneMember12.219455">Period One [Member]</link:label>
    <link:loc xlink:label="loc_PeriodThreeMember.34470.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodThreeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodThreeMember.34470.11.6" xlink:to="lab_PeriodThreeMember.219450" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodThreeMember.219450" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodThreeMember.219450">Period Three [Member]</link:label>
    <link:loc xlink:label="loc_PeriodThreeMember.34470.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodThreeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodThreeMember.34470.11.12" xlink:to="lab_PeriodThreeMember12.219457" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodThreeMember12.219457" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodThreeMember12.219457">Period Three [Member]</link:label>
    <link:loc xlink:label="loc_PeriodTwoMember.34468.11.6" xlink:href="asrv-20121231.xsd#asrv_PeriodTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodTwoMember.34468.11.6" xlink:to="lab_PeriodTwoMember.219447" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodTwoMember.219447" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PeriodTwoMember.219447">Period Two [Member]</link:label>
    <link:loc xlink:label="loc_PeriodTwoMember.34468.11.12" xlink:href="asrv-20121231.xsd#asrv_PeriodTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PeriodTwoMember.34468.11.12" xlink:to="lab_PeriodTwoMember12.219456" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PeriodTwoMember12.219456" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PeriodTwoMember12.219456">Period Two [Member]</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendAnnualizationBeginDate.34146.11.6" xlink:href="asrv-20121231.xsd#asrv_PreferredStockDividendAnnualizationBeginDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendAnnualizationBeginDate.34146.11.6" xlink:to="lab_PreferredStockDividendAnnualizationBeginDate.217151" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockDividendAnnualizationBeginDate.217151" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendAnnualizationBeginDate.217151">Preferred Stock Dividend Annualization Begin Date</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendAnnualizationBeginDate.34146.11.12" xlink:href="asrv-20121231.xsd#asrv_PreferredStockDividendAnnualizationBeginDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendAnnualizationBeginDate.34146.11.12" xlink:to="lab_PreferredStockDividendAnnualizationBeginDate12.217153" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockDividendAnnualizationBeginDate12.217153" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendAnnualizationBeginDate12.217153">Preferred Stock, Dividend Annualization, Begin Date.</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendAnnualizationBeginDate.34146.11.7" xlink:href="asrv-20121231.xsd#asrv_PreferredStockDividendAnnualizationBeginDate" xlink:type="locator" />
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    <link:label xlink:label="lab_PreferredStockDividendAnnualizationBeginDate7.217157" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendAnnualizationBeginDate7.217157">Dividend period annualized, begin date</link:label>
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    <link:label xlink:label="lab_RangeTwoMember12.217208" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RangeTwoMember12.217208">Range Two [Member]</link:label>
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    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.222812" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.222812">Expected volatility</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16317.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16317.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.17501" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.17501" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.17501">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16317.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16317.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811">Risk-free interest rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.4859.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.4859.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:loc xlink:label="loc_ClassOfStockLineItems.966.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfStockLineItems.966.11.6" xlink:to="lab_ClassOfStockLineItems.2526" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfStockLineItems.2526" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfStockLineItems.2526">Class of Stock [Line Items]</link:label>
    <link:loc xlink:label="loc_CommonStockCapitalSharesReservedForFutureIssuance.6881.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockCapitalSharesReservedForFutureIssuance.6881.11.6" xlink:to="lab_CommonStockCapitalSharesReservedForFutureIssuance.2746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockCapitalSharesReservedForFutureIssuance.2746" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockCapitalSharesReservedForFutureIssuance.2746">Common Stock, Capital Shares Reserved for Future Issuance</link:label>
    <link:loc xlink:label="loc_CommonStockCapitalSharesReservedForFutureIssuance.6881.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockCapitalSharesReservedForFutureIssuance.6881.11.7" xlink:to="lab_CommonStockCapitalSharesReservedForFutureIssuance.217438" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockCapitalSharesReservedForFutureIssuance.217438" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockCapitalSharesReservedForFutureIssuance.217438">Shares reserved for issuance under plan</link:label>
    <link:loc xlink:label="loc_ScheduleOfStockByClassTable.4702.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfStockByClassTable.4702.11.6" xlink:to="lab_ScheduleOfStockByClassTable.16952" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfStockByClassTable.16952" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfStockByClassTable.16952">Schedule of Stock by Class [Table]</link:label>
    <link:loc xlink:label="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.6" xlink:href="asrv-20121231.xsd#asrv_StockPurchasePlanOptionalAmountOfCashPayment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.6" xlink:to="lab_StockPurchasePlanOptionalAmountOfCashPayment.217233" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockPurchasePlanOptionalAmountOfCashPayment.217233" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockPurchasePlanOptionalAmountOfCashPayment.217233">Stock Purchase Plan Optional Amount Of Cash Payment</link:label>
    <link:loc xlink:label="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.12" xlink:href="asrv-20121231.xsd#asrv_StockPurchasePlanOptionalAmountOfCashPayment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.12" xlink:to="lab_StockPurchasePlanOptionalAmountOfCashPayment12.217440" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockPurchasePlanOptionalAmountOfCashPayment12.217440" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_StockPurchasePlanOptionalAmountOfCashPayment12.217440">Stock Purchase Plan, Optional Amount Of Cash Payment.</link:label>
    <link:loc xlink:label="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.7" xlink:href="asrv-20121231.xsd#asrv_StockPurchasePlanOptionalAmountOfCashPayment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockPurchasePlanOptionalAmountOfCashPayment.34157.11.7" xlink:to="lab_StockPurchasePlanOptionalAmountOfCashPayment7.217437" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockPurchasePlanOptionalAmountOfCashPayment7.217437" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockPurchasePlanOptionalAmountOfCashPayment7.217437">Optional payment</link:label>
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.719.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAcquisitionAcquireeDomain.719.11.6" xlink:to="lab_BusinessAcquisitionAcquireeDomain.1577" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAcquisitionAcquireeDomain.1577" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAcquisitionAcquireeDomain.1577">Business Acquisition, Acquiree [Domain]</link:label>
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.710.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAcquisitionAxis.710.11.6" xlink:to="lab_BusinessAcquisitionAxis.1535" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAcquisitionAxis.1535" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAcquisitionAxis.1535">Business Acquisition [Axis]</link:label>
    <link:loc xlink:label="loc_Goodwill.10311.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10311.11.10" xlink:to="lab_Goodwill.217442" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Goodwill.217442" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_Goodwill.217442">Balance January 1</link:label>
    <link:loc xlink:label="loc_Goodwill.10311.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10311.11.11" xlink:to="lab_Goodwill.217444" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Goodwill.217444" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_Goodwill.217444">Balance December 31</link:label>
    <link:loc xlink:label="loc_GoodwillLineItems.2370.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillLineItems.2370.11.6" xlink:to="lab_GoodwillLineItems.7938" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillLineItems.7938" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillLineItems.7938">Goodwill [Line Items]</link:label>
    <link:loc xlink:label="loc_GoodwillPurchaseAccountingAdjustments.10330.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillPurchaseAccountingAdjustments.10330.11.6" xlink:to="lab_GoodwillPurchaseAccountingAdjustments.7944" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillPurchaseAccountingAdjustments.7944" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillPurchaseAccountingAdjustments.7944">Goodwill, Purchase Accounting Adjustments</link:label>
    <link:loc xlink:label="loc_GoodwillPurchaseAccountingAdjustments.10330.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillPurchaseAccountingAdjustments.10330.11.7" xlink:to="lab_GoodwillPurchaseAccountingAdjustments.217443" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillPurchaseAccountingAdjustments.217443" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillPurchaseAccountingAdjustments.217443">Reduction from purchase price adjustment of WCCA</link:label>
    <link:loc xlink:label="loc_RetailBankingMember.34169.11.6" xlink:href="asrv-20121231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetailBankingMember.34169.11.6" xlink:to="lab_RetailBankingMember.217452" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetailBankingMember.217452" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RetailBankingMember.217452">Retail Banking [Member]</link:label>
    <link:loc xlink:label="loc_RetailBankingMember.34169.11.12" xlink:href="asrv-20121231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetailBankingMember.34169.11.12" xlink:to="lab_RetailBankingMember12.217455" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetailBankingMember12.217455" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RetailBankingMember12.217455">Retail Banking [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfGoodwillTable.4653.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfGoodwillTable.4653.11.6" xlink:to="lab_ScheduleOfGoodwillTable.16826" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfGoodwillTable.16826" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfGoodwillTable.16826">Schedule of Goodwill [Table]</link:label>
    <link:loc xlink:label="loc_SegmentDomain.4780.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentDomain.4780.11.6" xlink:to="lab_SegmentDomain.17169" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SegmentDomain.17169" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SegmentDomain.17169">Segment [Domain]</link:label>
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.4956.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementBusinessSegmentsAxis.4956.11.6" xlink:to="lab_StatementBusinessSegmentsAxis.17874" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementBusinessSegmentsAxis.17874" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementBusinessSegmentsAxis.17874">Business Segments [Axis]</link:label>
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.34170.11.6" xlink:href="asrv-20121231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WestChesterCapitalAdvisorsMember.34170.11.6" xlink:to="lab_WestChesterCapitalAdvisorsMember.217453" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WestChesterCapitalAdvisorsMember.217453" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_WestChesterCapitalAdvisorsMember.217453">West Chester Capital Advisors [Member]</link:label>
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.34170.11.12" xlink:href="asrv-20121231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WestChesterCapitalAdvisorsMember.34170.11.12" xlink:to="lab_WestChesterCapitalAdvisorsMember12.217454" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WestChesterCapitalAdvisorsMember12.217454" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_WestChesterCapitalAdvisorsMember12.217454">West Chester Capital Advisors [Member]</link:label>
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1491.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeByNatureAxis.1491.11.6" xlink:to="lab_DerivativeByNatureAxis.4649" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeByNatureAxis.4649" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeByNatureAxis.4649">Derivative, by Nature [Axis]</link:label>
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8138.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeFixedInterestRate.8138.11.6" xlink:to="lab_DerivativeFixedInterestRate.4630" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeFixedInterestRate.4630" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeFixedInterestRate.4630">Derivative, Fixed Interest Rate</link:label>
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8138.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeFixedInterestRate.8138.11.7" xlink:to="lab_DerivativeFixedInterestRate7.217481" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeFixedInterestRate7.217481" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeFixedInterestRate7.217481">Fixed interest rate</link:label>
    <link:loc xlink:label="loc_DerivativeInceptionDates.8115.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInceptionDates.8115.11.6" xlink:to="lab_DerivativeInceptionDates.4596" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInceptionDates.4596" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInceptionDates.4596">Derivative, Inception Date</link:label>
    <link:loc xlink:label="loc_DerivativeInceptionDates.8115.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInceptionDates.8115.11.7" xlink:to="lab_DerivativeInceptionDates7.217479" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInceptionDates7.217479" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInceptionDates7.217479">Start date</link:label>
    <link:loc xlink:label="loc_DerivativeLineItems.1476.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeLineItems.1476.11.6" xlink:to="lab_DerivativeLineItems.4555" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeLineItems.4555" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeLineItems.4555">Derivative [Line Items]</link:label>
    <link:loc xlink:label="loc_DerivativeMaturityDates.8114.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeMaturityDates.8114.11.6" xlink:to="lab_DerivativeMaturityDates.4595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeMaturityDates.4595" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeMaturityDates.4595">Derivative, Maturity Date</link:label>
    <link:loc xlink:label="loc_DerivativeMaturityDates.8114.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeMaturityDates.8114.11.7" xlink:to="lab_DerivativeMaturityDates.217480" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeMaturityDates.217480" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeMaturityDates.217480">Maturity date</link:label>
    <link:loc xlink:label="loc_DerivativeNameDomain.1496.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeNameDomain.1496.11.6" xlink:to="lab_DerivativeNameDomain.4683" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeNameDomain.4683" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeNameDomain.4683">Derivative, Name [Domain]</link:label>
    <link:loc xlink:label="loc_DerivativeTable.1481.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeTable.1481.11.6" xlink:to="lab_DerivativeTable.4592" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeTable.4592" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeTable.4592">Derivative [Table]</link:label>
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8188.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeVariableInterestRate.8188.11.6" xlink:to="lab_DerivativeVariableInterestRate.4695" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeVariableInterestRate.4695" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeVariableInterestRate.4695">Derivative, Variable Interest Rate</link:label>
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8188.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeVariableInterestRate.8188.11.7" xlink:to="lab_DerivativeVariableInterestRate.217473" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeVariableInterestRate.217473" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeVariableInterestRate.217473">Variable interest rate</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.10870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.10870.11.6" xlink:to="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.8809" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.8809" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.8809">Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.10870.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.10870.11.7" xlink:to="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476">Increase (decrease) in interest expense</link:label>
    <link:loc xlink:label="loc_InterestRateSwapMember.2753.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapMember.2753.11.6" xlink:to="lab_InterestRateSwapMember.9502" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapMember.9502" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapMember.9502">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapOneMember.34176.11.6" xlink:href="asrv-20121231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapOneMember.34176.11.6" xlink:to="lab_InterestRateSwapOneMember.217483" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapOneMember.217483" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapOneMember.217483">Interest Rate Swap One [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapOneMember.34176.11.12" xlink:href="asrv-20121231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapOneMember.34176.11.12" xlink:to="lab_InterestRateSwapOneMember12.217487" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapOneMember12.217487" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapOneMember12.217487">Interest Rate Swap One [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.34177.11.6" xlink:href="asrv-20121231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapTwoMember.34177.11.6" xlink:to="lab_InterestRateSwapTwoMember.217485" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapTwoMember.217485" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapTwoMember.217485">Interest Rate Swap Two [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.34177.11.12" xlink:href="asrv-20121231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapTwoMember.34177.11.12" xlink:to="lab_InterestRateSwapTwoMember12.217486" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapTwoMember12.217486" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapTwoMember12.217486">Interest Rate Swap Two [Member]</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.12" xlink:href="asrv-20121231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.12" xlink:to="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578">Maximum Notional Amount Of Derivatives Outstanding.</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.7" xlink:href="asrv-20121231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.7" xlink:to="lab_LoansAndRelatedAllowanceForLoanLossesString.222576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndRelatedAllowanceForLoanLossesString.222576" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndRelatedAllowanceForLoanLossesString.222576">Maximum notional amount outstanding permitted</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.6" xlink:href="asrv-20121231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.32978.11.6" xlink:to="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416">Maximum Notional Amount Of Derivatives Outstanding</link:label>
    <link:loc xlink:label="loc_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12941.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotionalAmountOfInterestRateFairValueHedgeDerivatives" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12941.11.6" xlink:to="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12146" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12146" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12146">Notional Amount of Interest Rate Fair Value Hedge Derivatives</link:label>
    <link:loc xlink:label="loc_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12941.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotionalAmountOfInterestRateFairValueHedgeDerivatives" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NotionalAmountOfInterestRateFairValueHedgeDerivatives.12941.11.7" xlink:to="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.217467" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.217467" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NotionalAmountOfInterestRateFairValueHedgeDerivatives.217467">Notional amount</link:label>
    <link:loc xlink:label="loc_Assets.5880.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Assets.5880.11.7" xlink:to="lab_Assets.217500" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Assets.217500" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Assets.217500">Total assets</link:label>
    <link:loc xlink:label="loc_CommercialBankingMember.34181.11.6" xlink:href="asrv-20121231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialBankingMember.34181.11.6" xlink:to="lab_CommercialBankingMember.217508" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialBankingMember.217508" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommercialBankingMember.217508">Commercial Banking [Member]</link:label>
    <link:loc xlink:label="loc_CommercialBankingMember.34181.11.12" xlink:href="asrv-20121231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialBankingMember.34181.11.12" xlink:to="lab_CommercialBankingMember12.217517" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialBankingMember12.217517" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_CommercialBankingMember12.217517">Commercial Banking [Member]</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11270.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseNet.11270.11.7" xlink:to="lab_InterestIncomeExpenseNet.222631" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeExpenseNet.222631" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeExpenseNet.222631">Net interest income</link:label>
    <link:loc xlink:label="loc_InvestmentParentMember.34184.11.6" xlink:href="asrv-20121231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentParentMember.34184.11.6" xlink:to="lab_InvestmentParentMember.217513" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentParentMember.217513" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentParentMember.217513">Investment/ Parent [Member]</link:label>
    <link:loc xlink:label="loc_InvestmentParentMember.34184.11.12" xlink:href="asrv-20121231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentParentMember.34184.11.12" xlink:to="lab_InvestmentParentMember12.217515" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentParentMember12.217515" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentParentMember12.217515">Investment/ Parent [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4679.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4679.11.6" xlink:to="lab_ScheduleOfSegmentReportingInformationBySegmentTable.16887" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfSegmentReportingInformationBySegmentTable.16887" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfSegmentReportingInformationBySegmentTable.16887">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4761.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentReportingInformationLineItems.4761.11.6" xlink:to="lab_SegmentReportingInformationLineItems.17108" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SegmentReportingInformationLineItems.17108" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SegmentReportingInformationLineItems.17108">Segment Reporting Information [Line Items]</link:label>
    <link:loc xlink:label="loc_TrustMember.34182.11.6" xlink:href="asrv-20121231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TrustMember.34182.11.6" xlink:to="lab_TrustMember.217510" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TrustMember.217510" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TrustMember.217510">Trust [Member]</link:label>
    <link:loc xlink:label="loc_TrustMember.34182.11.12" xlink:href="asrv-20121231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TrustMember.34182.11.12" xlink:to="lab_TrustMember12.217516" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TrustMember12.217516" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_TrustMember12.217516">Trust [Member]</link:label>
    <link:loc xlink:label="loc_CapitalAbstract.805.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalAbstract.805.11.7" xlink:to="CapitalAbstract.217578" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="CapitalAbstract.217578" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="CapitalAbstract.217578">Total Capital (to Risk-Weighted Assets), Amount</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.34196.11.6" xlink:href="asrv-20121231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialBankMember.34196.11.6" xlink:to="lab_AmeriservFinancialBankMember.217607" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialBankMember.217607" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialBankMember.217607">AmeriServ Financial Bank [Member]</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.34196.11.12" xlink:href="asrv-20121231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialBankMember.34196.11.12" xlink:to="lab_AmeriservFinancialBankMember12.217608" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialBankMember12.217608" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialBankMember12.217608">AmeriServ Financial Bank [Member]</link:label>
    <link:loc xlink:label="loc_Capital.6435.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Capital.6435.11.6" xlink:to="lab_Capital.1983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Capital.1983" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Capital.1983">Capital</link:label>
    <link:loc xlink:label="loc_Capital.6435.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Capital.6435.11.7" xlink:to="lab_Capital.217588" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Capital.217588" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Capital.217588">Actual</link:label>
    <link:loc xlink:label="loc_CapitalAbstract.805.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalAbstract.805.11.6" xlink:to="lab_CapitalAbstract.1923" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalAbstract.1923" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalAbstract.1923">Capital [Abstract]</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6461.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacy.6461.11.6" xlink:to="lab_CapitalRequiredForCapitalAdequacy.2024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredForCapitalAdequacy.2024" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredForCapitalAdequacy.2024">Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6461.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacy.6461.11.7" xlink:to="lab_CapitalRequiredForCapitalAdequacy.217595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredForCapitalAdequacy.217595" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredForCapitalAdequacy.217595">For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6454.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6454.11.6" xlink:to="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.2015" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.2015" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.2015">Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6454.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6454.11.7" xlink:to="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217598" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217598" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217598">Total - For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6478.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalized.6478.11.6" xlink:to="lab_CapitalRequiredToBeWellCapitalized.2049" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredToBeWellCapitalized.2049" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredToBeWellCapitalized.2049">Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6478.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalized.6478.11.7" xlink:to="lab_CapitalRequiredToBeWellCapitalized.217601" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredToBeWellCapitalized.217601" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredToBeWellCapitalized.217601">To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6457.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6457.11.6" xlink:to="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.2018" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.2018" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.2018">Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6457.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6457.11.7" xlink:to="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217604" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217604" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217604">Total - To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6452.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalToRiskWeightedAssets.6452.11.6" xlink:to="lab_CapitalToRiskWeightedAssets.2013" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalToRiskWeightedAssets.2013" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CapitalToRiskWeightedAssets.2013">Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6452.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalToRiskWeightedAssets.6452.11.7" xlink:to="lab_CapitalToRiskWeightedAssets.217592" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CapitalToRiskWeightedAssets.217592" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CapitalToRiskWeightedAssets.217592">Total - Actual</link:label>
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1060.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1060.11.6" xlink:to="lab_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.2798" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.2798" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.2798">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:loc xlink:label="loc_LeverageRatiosAbstract.2918.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LeverageRatiosAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeverageRatiosAbstract.2918.11.6" xlink:to="lab_LeverageRatiosAbstract.10039" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeverageRatiosAbstract.10039" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LeverageRatiosAbstract.10039">Leverage Ratios [Abstract]</link:label>
    <link:loc xlink:label="loc_LeverageRatiosAbstract.2918.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LeverageRatiosAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeverageRatiosAbstract.2918.11.7" xlink:to="lab_LeverageRatiosAbstract.217568" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeverageRatiosAbstract.217568" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LeverageRatiosAbstract.217568">Tier 1 Capital (to Average Assets), Ratio</link:label>
    <link:loc xlink:label="loc_RiskBasedRatiosAbstract.4492.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RiskBasedRatiosAbstract.4492.11.6" xlink:to="lab_RiskBasedRatiosAbstract.16320" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RiskBasedRatiosAbstract.16320" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RiskBasedRatiosAbstract.16320">Risk Based Ratios [Abstract]</link:label>
    <link:loc xlink:label="loc_RiskBasedRatiosAbstract.4492.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RiskBasedRatiosAbstract.4492.11.7" xlink:to="lab_RiskBasedRatiosAbstract.217567" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RiskBasedRatiosAbstract.217567" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RiskBasedRatiosAbstract.217567">Capital (to Risk Weighted Assets), Ratio</link:label>
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable.4606.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable.4606.11.6" xlink:to="lab_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable.16708" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable.16708" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable.16708">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</link:label>
    <link:loc xlink:label="loc_TangibleCapitalToTangibleAssets.16806.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TangibleCapitalToTangibleAssets.16806.11.6" xlink:to="lab_TangibleCapitalToTangibleAssets.18263" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TangibleCapitalToTangibleAssets.18263" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TangibleCapitalToTangibleAssets.18263">Tangible Capital to Tangible Assets</link:label>
    <link:loc xlink:label="loc_TangibleCapitalToTangibleAssets.16806.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TangibleCapitalToTangibleAssets.16806.11.7" xlink:to="lab_TangibleCapitalToTangibleAssets7.222580" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TangibleCapitalToTangibleAssets7.222580" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TangibleCapitalToTangibleAssets7.222580">Tangible common equity ratio</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapital.16902.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapital.16902.11.6" xlink:to="lab_TierOneLeverageCapital.18406" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapital.18406" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapital.18406">Tier One Leverage Capital</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapital.16902.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapital.16902.11.7" xlink:to="lab_TierOneLeverageCapital.217591" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapital.217591" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapital.217591">Actual</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5101.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalAbstract.5101.11.6" xlink:to="lab_TierOneLeverageCapitalAbstract.18404" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalAbstract.18404" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalAbstract.18404">Tier One Leverage Capital [Abstract]</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5101.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalAbstract.5101.11.7" xlink:to="lab_TierOneLeverageCapitalAbstract.217579" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalAbstract.217579" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalAbstract.217579">Tier 1 Capital (to Average Assets), Amount</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.16899.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.16899.11.6" xlink:to="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.18401" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.18401" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.18401">Tier One Leverage Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.16899.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.16899.11.7" xlink:to="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.217597" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.217597" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredForCapitalAdequacy.217597">For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.16890.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.16890.11.6" xlink:to="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.18392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.18392" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.18392">Tier One Leverage Capital Required for Capital Adequacy to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.16890.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.16890.11.7" xlink:to="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.217600" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.217600" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.217600">For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.16900.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.16900.11.6" xlink:to="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.18402" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.18402" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.18402">Tier One Leverage Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.16900.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.16900.11.7" xlink:to="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.217603" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.217603" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredToBeWellCapitalized.217603">To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.16901.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.16901.11.6" xlink:to="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.18403" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.18403" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.18403">Tier One Leverage Capital Required to be Well Capitalized to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.16901.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.16901.11.7" xlink:to="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.217606" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.217606" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.217606">To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.16891.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalToAverageAssets.16891.11.6" xlink:to="lab_TierOneLeverageCapitalToAverageAssets.18393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalToAverageAssets.18393" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalToAverageAssets.18393">Tier One Leverage Capital to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.16891.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalToAverageAssets.16891.11.7" xlink:to="lab_TierOneLeverageCapitalToAverageAssets.217594" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneLeverageCapitalToAverageAssets.217594" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneLeverageCapitalToAverageAssets.217594">Actual</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.16896.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapital.16896.11.6" xlink:to="lab_TierOneRiskBasedCapital.18398" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapital.18398" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapital.18398">Tier One Risk Based Capital</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.16896.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapital.16896.11.7" xlink:to="lab_TierOneRiskBasedCapital.217590" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapital.217590" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapital.217590">Actual</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalAbstract.5103.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalAbstract.5103.11.6" xlink:to="lab_TierOneRiskBasedCapitalAbstract.18407" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalAbstract.18407" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalAbstract.18407">Tier One Risk Based Capital [Abstract]</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalAbstract.5103.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalAbstract.5103.11.7" xlink:to="lab_TierOneRiskBasedCapitalAbstract.217576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalAbstract.217576" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalAbstract.217576">Tier 1 Capital (to Risk-Weighted Assets), Amount</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.16897.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.16897.11.6" xlink:to="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.18399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.18399" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.18399">Tier One Risk Based Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.16897.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.16897.11.7" xlink:to="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.217596" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.217596" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.217596">For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.16895.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.16895.11.6" xlink:to="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.18397" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.18397" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.18397">Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.16895.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.16895.11.7" xlink:to="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217599" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217599" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.217599">Tier 1 - For capital adequacy purposes</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.16893.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.16893.11.6" xlink:to="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.18395" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.18395" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.18395">Tier One Risk Based Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.16893.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.16893.11.7" xlink:to="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.217602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.217602" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.217602">To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.16898.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.16898.11.6" xlink:to="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.18400" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.18400" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.18400">Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.16898.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.16898.11.7" xlink:to="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217605" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217605" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.217605">Tier 1 - To be well capitalized under prompt corrective action provisions</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.16892.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.16892.11.6" xlink:to="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.18394" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.18394" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.18394">Tier One Risk Based Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.16892.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.16892.11.7" xlink:to="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.217593" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.217593" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TierOneRiskBasedCapitalToRiskWeightedAssets.217593">Tier 1 - Actual</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.5963.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.5963.11.7" xlink:to="lab_AvailableForSaleSecurities.217617" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecurities.217617" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecurities.217617">Investment securities available for sale</link:label>
    <link:loc xlink:label="loc_BankingSubsidiaryMember.34199.11.6" xlink:href="asrv-20121231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_BankingSubsidiaryMember.34199.11.12" xlink:to="lab_BankingSubsidiaryMember12.217633" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankingSubsidiaryMember12.217633" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BankingSubsidiaryMember12.217633">Banking Subsidiary [Member]</link:label>
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    <link:label xlink:label="lab_CashAndDueFromBanks8.217615" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndDueFromBanks8.217615">Cash</link:label>
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    <link:label xlink:label="lab_DeferredFinanceCostsNet.217619" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredFinanceCostsNet.217619">Guaranteed junior subordinated deferrable interest debenture issuance costs</link:label>
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    <link:label xlink:label="lab_EntityDomain.40" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityDomain.40">Entity [Domain]</link:label>
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    <link:labelArc xlink:from="loc_EquityMethodInvesteeNameDomain.1775.11.6" xlink:to="lab_EquityMethodInvesteeNameDomain.5832" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_EquityMethodInvestments.8932.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
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    <link:loc xlink:label="loc_EquityMethodInvestments.8932.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityMethodInvestments.8932.11.7" xlink:to="lab_EquityMethodInvestments.217618" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityMethodInvestments.217618" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EquityMethodInvestments.217618">Equity investment</link:label>
    <link:loc xlink:label="loc_LegalEntityAxis.136.11.6" xlink:href="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LegalEntityAxis.136.11.6" xlink:to="lab_LegalEntityAxis.135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LegalEntityAxis.135" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LegalEntityAxis.135">Legal Entity [Axis]</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.34200.11.6" xlink:href="asrv-20121231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.34200.11.6" xlink:to="lab_NonBankingSubsidiariesMember.217628" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember.217628" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember.217628">Non Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.34200.11.12" xlink:href="asrv-20121231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.34200.11.12" xlink:to="lab_NonBankingSubsidiariesMember12.217630" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember12.217630" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember12.217630">Non-Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.34200.11.7" xlink:href="asrv-20121231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.34200.11.7" xlink:to="lab_NonBankingSubsidiariesMember7.217632" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember7.217632" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember7.217632">Non-Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_ParentCompanyMember.3756.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ParentCompanyMember.3756.11.6" xlink:to="lab_ParentCompanyMember.13212" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ParentCompanyMember.13212" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ParentCompanyMember.13212">Parent Company [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4622.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4622.11.6" xlink:to="lab_ScheduleOfCondensedFinancialStatementsTable.16751" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4635.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4635.11.6" xlink:to="lab_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.16777" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_StockholdersEquity.16667.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.16667.11.7" xlink:to="lab_StockholdersEquity.217625" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.217625" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.217625">Total stockholders' equity</link:label>
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.6876.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockDividendsPerShareDeclared.6876.11.8" xlink:to="lab_CommonStockDividendsPerShareDeclared8.223017" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockDividendsPerShareDeclared8.223017" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockDividendsPerShareDeclared8.223017">Cash dividends declared per common share</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.10688.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
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    <link:label xlink:label="lab_IncomeTaxExpenseBenefit.223014" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxExpenseBenefit.223014">Provision (benefit) for income taxes</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11190.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
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    <link:label xlink:label="lab_InterestAndDividendIncomeOperating.217501" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndDividendIncomeOperating.217501">Interest income</link:label>
    <link:loc xlink:label="loc_NoninterestExpense.12883.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpense.12883.11.7" xlink:to="lab_NoninterestExpense.217503" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestExpense.217503" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestExpense.217503">Non-interest expense</link:label>
    <link:loc xlink:label="loc_NoninterestIncome.12878.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncome.12878.11.7" xlink:to="lab_NoninterestIncome.217502" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestIncome.217502" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestIncome.217502">Non-interest income</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLossesExpensed.14723.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:type="locator" />
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    <link:label xlink:label="lab_ProvisionForLoanLossesExpensed8.223013" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProvisionForLoanLossesExpensed8.223013">Provision (credit) for loan losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.33583.11.6" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
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    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.33583.11.7" xlink:href="asrv-20121231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
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    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.76508.11.6" xlink:href="asrv-20121231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
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    <link:loc xlink:label="loc_CreditRatingDomain.1211.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CreditRatingDomain" xlink:type="locator" />
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    <link:loc xlink:label="loc_GainOnSaleOfInvestments.10171.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainOnSaleOfInvestments" xlink:type="locator" />
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    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.7862.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4231" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.7860.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.7790.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.7790.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.7861.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.7861.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4230" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4230" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4230">Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.7861.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.7861.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate7.216869" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.7791.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.7791.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.7791.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.216870" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1417.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1417.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.4274" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1417.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.7864.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1433.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1433.11.7" xlink:to="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.216876" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3646.11.6" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.12805" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3646.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationPensionAndOtherPostretirementBenefitPlansNetPriorServiceCostRecognizedInNetPeriodicBenefitCostBeforeTax.13306.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationPensionAndOtherPostretirementBenefitPlansNetPriorServiceCostRecognizedInNetPeriodicBenefitCostBeforeTax" xlink:type="locator" />
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    <link:loc xlink:label="loc_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.13401.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.13401.11.6" xlink:to="lab_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.12880" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.12880" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.12880">Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.13401.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax.13401.11.42" xlink:to="lab_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax42.216906" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.7843.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.7843.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4206" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4206" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4206">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.7843.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.7843.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911">Discount rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.7810.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.7810.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4165" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4165" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4165">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.7810.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.7810.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912">Rate of compensation increase</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1427.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1427.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4313" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4313" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4313">Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1427.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1427.11.7" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910">WEIGHTED AVERAGE ASSUMPTIONS:</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.35186.11.6" xlink:href="asrv-20121231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialIncCommonStockMember.35186.11.6" xlink:to="lab_AmeriservFinancialIncCommonStockMember.222565" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialIncCommonStockMember.222565" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialIncCommonStockMember.222565">Ameriserv Financial, Inc. Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.35186.11.12" xlink:href="asrv-20121231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialIncCommonStockMember.35186.11.12" xlink:to="lab_AmeriservFinancialIncCommonStockMember12.222566" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialIncCommonStockMember12.222566" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialIncCommonStockMember12.222566">Amerserv Financial, Inc. Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.7918.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.7918.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4310" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4310" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4310">Defined Benefit Plan, Actual Plan Asset Allocations</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.7918.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.7918.11.7" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917">Asset allocations</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.888.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsMember.888.11.6" xlink:to="lab_CashAndCashEquivalentsMember.2261" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsMember.2261" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsMember.2261">Cash and Cash Equivalents [Member]</link:label>
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1180.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateDebtSecuritiesMember.1180.11.6" xlink:to="lab_CorporateDebtSecuritiesMember.216925" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateDebtSecuritiesMember.216925" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CorporateDebtSecuritiesMember.216925">Corporate Bonds [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.6" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.4316" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.4316" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.4316">Defined Benefit Plan, Fair Value of Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.7923.11.7" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934">Fair value of plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1426.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.4309" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.4309">Defined Benefit Plan, Information about Plan Assets [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1426.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1426.11.7" xlink:to="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916">PLAN ASSETS:</link:label>
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1813.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ExchangeTradedFundsMember.1813.11.6" xlink:to="lab_ExchangeTradedFundsMember.216923" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ExchangeTradedFundsMember.216923" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ExchangeTradedFundsMember.216923">Mutual Funds/ETFs [Member]</link:label>
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.77261.11.6" xlink:href="asrv-20121231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
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    <link:label xlink:label="lab_InternationalEquitySecuritiesMember.408180" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InternationalEquitySecuritiesMember.408180">International Equity Securities [Member]</link:label>
    <link:loc xlink:label="loc_USTreasuryAndGovernmentMember.5274.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1419.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1419.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.7886.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.7886.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946">2018- 2022</link:label>
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    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.7863.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4232" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4232" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4232">Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.7863.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.7863.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941">2013</link:label>
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    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.7834.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4195" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4195" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4195">Defined Benefit Plan, Expected Future Benefit Payments, Year Five</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.7834.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.7834.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945">2017</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.7854.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.7854.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4221" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4221" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4221">Defined Benefit Plan, Expected Future Benefit Payments, Year Four</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.7854.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.7854.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944">2016</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.7802.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.7802.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4154" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4154" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4154">Defined Benefit Plan, Expected Future Benefit Payments, Year Three</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.7802.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.7802.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943">2015</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.7829.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.7829.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4189" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4189" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4189">Defined Benefit Plan, Expected Future Benefit Payments, Year Two</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.7829.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.7829.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942">2014</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16250.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16250.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.17411" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.17411" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.17411">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16250.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16250.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210">Weighted average fair value of options granted in current year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16332.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16332.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.17517" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.17517" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.17517">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16332.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16332.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214">Exercisable at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.17506" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.17506" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.17506">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16322.11.8" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.138372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.138372" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.138372">Options exercisable, weighted-average exercise price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16342.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16342.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.17531" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.17531" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.17531">Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16342.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16342.11.42" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod42.217175" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16275.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16275.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.17448" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.17448" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.17448">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16275.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16275.11.8" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross8.217174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.17577" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.17577" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.17577">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.10" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173">Outstanding at beginning of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16369.11.11" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178">Outstanding at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.4866.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.4866.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.17522" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.17522" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.17522">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.4866.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.4866.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172">SHARES</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.17554" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.17554" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.17554">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.10" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180">Outstanding at beginning of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16356.11.11" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185">Outstanding at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.4855.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.4855.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.17430" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.17430" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.17430">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Roll Forward]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.4855.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.4855.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179">WEIGHTED AVERAGE EXERCISE PRICE</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16305.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16305.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.17487" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.17487" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.17487">Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16305.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16305.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184">Exercised</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16248.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16248.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.17409" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.17409" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.17409">Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16248.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16248.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182">Forfeited</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16298.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16298.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.17479" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.17479" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.17479">Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16298.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16298.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181">Granted</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.16634.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.16634.11.6" xlink:to="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.17984" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.17984" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.17984">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.16634.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
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    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesStockOptionsExercised42.217177" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesStockOptionsExercised42.217177">Exercised</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11190.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
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    <link:label xlink:label="InterestAndDividendIncomeOperating.222454" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="InterestAndDividendIncomeOperating.222454">Interest and dividend income</link:label>
    <link:loc xlink:label="loc_CostsAndExpenses.7217.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
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    <link:loc xlink:label="loc_CostsAndExpenses.7217.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CostsAndExpenses.7217.11.9" xlink:to="lab_CostsAndExpenses.222458" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CostsAndExpenses.222458" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpenses.222458">TOTAL EXPENSE</link:label>
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1204.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_CostsAndExpensesAbstract.3279" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpensesAbstract.3279">Costs and Expenses [Abstract]</link:label>
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1204.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
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    <link:label xlink:label="lab_CostsAndExpensesAbstract.222456" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpensesAbstract.222456">EXPENSE</link:label>
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    <link:labelArc xlink:from="loc_DividendIncomeOperating.8601.11.6" xlink:to="lab_DividendIncomeOperating.5235" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:label xlink:label="lab_RevenueFromRelatedParties.16212" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RevenueFromRelatedParties.16212">Revenue from Related Parties</link:label>
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    <link:label xlink:label="lab_RevenueFromRelatedParties.222321" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RevenueFromRelatedParties.222321">Inter-entity management and other fees</link:label>
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    <link:labelArc xlink:from="loc_Revenues.15575.11.6" xlink:to="lab_Revenues.16307" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Revenues.16307" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Revenues.16307">Revenues</link:label>
    <link:loc xlink:label="loc_Revenues.15575.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Revenues.15575.11.9" xlink:to="lab_Revenues.222455" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Revenues.222455" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_Revenues.222455">TOTAL INCOME</link:label>
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    <link:labelArc xlink:from="loc_RevenuesAbstract.4487.11.6" xlink:to="lab_RevenuesAbstract.16309" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:labelArc xlink:from="loc_RevenuesAbstract.4487.11.7" xlink:to="lab_RevenuesAbstract7.222148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13219.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherOperatingActivitiesCashFlowStatement.13219.11.6" xlink:to="lab_OtherOperatingActivitiesCashFlowStatement.12593" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13219.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
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    <link:loc xlink:label="loc_PaymentsForProceedsFromOtherInvestingActivities.13667.11.42" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:type="locator" />
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    <link:loc xlink:label="loc_ShortTermDebtTextBlock.16443.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermDebtTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_LongTermDebtAbstract.3084.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.15846.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.15846.11.7" xlink:to="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.143717" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.143717" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.143717">Components of Accumulated Other Comprehensive Loss</link:label>
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.34343.11.6" xlink:href="asrv-20121231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.34343.11.6" xlink:to="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687">Business And Nature Of Operations Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.34343.11.12" xlink:href="asrv-20121231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.34343.11.12" xlink:to="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706">Business And Nature Of Operations, Policy [Policy Text Block].</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPolicyTextBlock.6571.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPolicyTextBlock.6571.11.6" xlink:to="lab_CashAndCashEquivalentsPolicyTextBlock.2212" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPolicyTextBlock.2212" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPolicyTextBlock.2212">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPolicyTextBlock.6571.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPolicyTextBlock.6571.11.7" xlink:to="lab_CashAndCashEquivalentsPolicyTextBlock.218738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPolicyTextBlock.218738" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPolicyTextBlock.218738">CONSOLIDATED STATEMENT OF CASH FLOWS</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomePolicyPolicyTextBlock.6916.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomePolicyPolicyTextBlock.6916.11.6" xlink:to="lab_ComprehensiveIncomePolicyPolicyTextBlock.2824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock.2824" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomePolicyPolicyTextBlock.2824">Comprehensive Income, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomePolicyPolicyTextBlock.6916.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomePolicyPolicyTextBlock.6916.11.7" xlink:to="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739">ACCUMULATED OTHER COMPREHENSIVE LOSS</link:label>
    <link:loc xlink:label="loc_ConsolidationPolicyTextBlock.6966.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidationPolicyTextBlock.6966.11.6" xlink:to="lab_ConsolidationPolicyTextBlock.2902" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsolidationPolicyTextBlock.2902" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsolidationPolicyTextBlock.2902">Consolidation, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_ConsolidationPolicyTextBlock.6966.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidationPolicyTextBlock.6966.11.7" xlink:to="lab_ConsolidationPolicyTextBlock.218753" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsolidationPolicyTextBlock.218753" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ConsolidationPolicyTextBlock.218753">PRINCIPLES OF CONSOLIDATION</link:label>
    <link:loc xlink:label="loc_DerivativesPolicyTextBlock.8213.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativesPolicyTextBlock.8213.11.6" xlink:to="lab_DerivativesPolicyTextBlock.4741" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativesPolicyTextBlock.4741" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativesPolicyTextBlock.4741">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_DerivativesPolicyTextBlock.8213.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativesPolicyTextBlock.8213.11.7" xlink:to="lab_DerivativesPolicyTextBlock.218736" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativesPolicyTextBlock.218736" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativesPolicyTextBlock.218736">INTEREST RATE CONTRACTS</link:label>
    <link:loc xlink:label="loc_EarningsPerSharePolicyTextBlock.8704.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerSharePolicyTextBlock.8704.11.6" xlink:to="lab_EarningsPerSharePolicyTextBlock.5427" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerSharePolicyTextBlock.5427" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerSharePolicyTextBlock.5427">Earnings Per Share, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_EarningsPerSharePolicyTextBlock.8704.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerSharePolicyTextBlock.8704.11.7" xlink:to="lab_EarningsPerSharePolicyTextBlock.218742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerSharePolicyTextBlock.218742" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerSharePolicyTextBlock.218742">EARNINGS PER COMMON SHARE</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.6" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.6" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708">Federal Home Loan Bank Stock, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.12" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.12" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709">Federal Home Loan Bank Stock, Policy [Policy Text Block].</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.7" xlink:href="asrv-20121231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.34345.11.7" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751">FEDERAL HOME LOAN BANK STOCK</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.9690.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.9690.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.6958" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.6958" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.6958">Finance, Loan and Lease Receivables, Held-for-investment, Allowance and Nonperforming Loans, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.9690.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.9690.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.9689.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.9689.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.6957" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.6957" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.6957">Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.9689.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.9689.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755">LOANS</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.9691.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.9691.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.6959" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.6959" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.6959">Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.9691.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.9691.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712">LOANS HELD FOR SALE</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10315.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10315.11.6" xlink:to="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.7925" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.7925" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.7925">Goodwill and Intangible Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10315.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10315.11.7" xlink:to="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743">INTANGIBLE ASSETS</link:label>
    <link:loc xlink:label="loc_IncomeTaxPolicyTextBlock.10751.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxPolicyTextBlock.10751.11.6" xlink:to="lab_IncomeTaxPolicyTextBlock.8637" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxPolicyTextBlock.8637" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxPolicyTextBlock.8637">Income Tax, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_IncomeTaxPolicyTextBlock.10751.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxPolicyTextBlock.10751.11.7" xlink:to="lab_IncomeTaxPolicyTextBlock.218737" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxPolicyTextBlock.218737" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxPolicyTextBlock.218737">INCOME TAXES</link:label>
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    <link:labelArc xlink:from="loc_InvestmentPolicyTextBlock.11461.11.6" xlink:to="lab_InvestmentPolicyTextBlock.9729" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:label xlink:label="lab_InvestmentPolicyTextBlock.218752" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentPolicyTextBlock.218752">INVESTMENT SECURITIES</link:label>
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    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12103.11.7" xlink:to="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711">LOAN FEES</link:label>
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    <link:label xlink:label="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.11883" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.11883">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.12785.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.218734" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.218734">RECENT ACCOUNTING STANDARDS</link:label>
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    <link:label xlink:label="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.12233" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.12233">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
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    <link:label xlink:label="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.218749" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.218749">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT</link:label>
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    <link:label xlink:label="lab_PropertyPlantAndEquipmentPolicyTextBlock.14908" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentPolicyTextBlock.14908">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
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    <link:label xlink:label="lab_PropertyPlantAndEquipmentPolicyTextBlock.218747" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentPolicyTextBlock.218747">PREMISES AND EQUIPMENT</link:label>
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    <link:loc xlink:label="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16373.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock.34362.11.7" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfLoansAndLeasesReceivableRelatedPartiesTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5742.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5742.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.34330.11.7" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.9872.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_FinancingReceivableCreditQualityIndicatorsTableTextBlock.7220" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableCreditQualityIndicatorsTableTextBlock.7220">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.9872.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ImpairedFinancingReceivablesTableTextBlock.10559.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivablesTableTextBlock.10559.11.6" xlink:to="lab_ImpairedFinancingReceivablesTableTextBlock.8304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedFinancingReceivablesTableTextBlock.8304" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivablesTableTextBlock.8304">Impaired Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivablesTableTextBlock.10559.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ImpairedFinancingReceivablesTableTextBlock.218927" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedFinancingReceivablesTableTextBlock.218927">Schedule of Impaired Loans</link:label>
    <link:loc xlink:label="loc_PastDueFinancingReceivablesTableTextBlock.13589.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PastDueFinancingReceivablesTableTextBlock.13589.11.6" xlink:to="lab_PastDueFinancingReceivablesTableTextBlock.13204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PastDueFinancingReceivablesTableTextBlock.13204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PastDueFinancingReceivablesTableTextBlock.13204">Past Due Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_PastDueFinancingReceivablesTableTextBlock.13589.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PastDueFinancingReceivablesTableTextBlock.13589.11.7" xlink:to="lab_PastDueFinancingReceivablesTableTextBlock.218930" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PastDueFinancingReceivablesTableTextBlock.218930" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PastDueFinancingReceivablesTableTextBlock.218930">Schedule of Classes of Loan Portfolio Summarized by Aging Categories</link:label>
    <link:loc xlink:label="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.34330.11.6" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.34330.11.6" xlink:to="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.218558" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock.34330.11.12" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.15707.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.15707.11.6" xlink:to="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.16531" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.16531" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.16531">Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.15707.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.15707.11.7" xlink:to="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.218924" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.218924" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock.218924">Schedule of Changes in Allowance for Loan Losses</link:label>
    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.34329.11.7" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValueExtended732isBAD.218936" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValueExtended732isBAD.218936">Schedule of Recorded Investment Loans Classified as TDR's</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.15708.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.15708.11.6" xlink:to="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16532" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.15708.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.34377.11.6" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.34377.11.6" xlink:to="lab_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.218932" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.34377.11.12" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.34377.11.12" xlink:to="lab_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock12.218934" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
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    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.34329.11.6" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.34329.11.12" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17080.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16749" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16749">Schedule of Defined Benefit Plans Disclosures [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.15867.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.219042" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.219042">Schedule of Pension Benefits</link:label>
    <link:loc xlink:label="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.15849.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16719" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16719">Schedule of Expected Benefit Payments [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.15849.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.15849.11.7" xlink:to="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056">Schedule of Estimated Future Benefit Payments</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.34398.11.6" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock.219031" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock.219031">Schedule Of Fair Value Of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.34398.11.12" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock12.219039" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock12.219039">Schedule Of Fair Value Of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.34398.11.7" xlink:href="asrv-20121231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock7.219055" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock7.219055">Schedule of Fair Value of Plan Assets</link:label>
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    <link:labelArc xlink:from="loc_ScheduleOfNetBenefitCostsTableTextBlock.15728.11.6" xlink:to="lab_ScheduleOfNetBenefitCostsTableTextBlock.16560" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfNetBenefitCostsTableTextBlock.16560" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfNetBenefitCostsTableTextBlock.16560">Schedule of Net Benefit Costs [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfNetBenefitCostsTableTextBlock.15728.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfNetBenefitCostsTableTextBlock.219019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfNetBenefitCostsTableTextBlock.219019">Schedule of Components of Net Periodic Benefit Cost</link:label>
    <link:loc xlink:label="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.15797.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.15797.11.6" xlink:to="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16642" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16642" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16642">Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.15797.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.219059" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.219059">Schedule of Future Minimum Payments on Operating Leases</link:label>
    <link:loc xlink:label="loc_ScheduleOfDividendsPayableTextBlock.15880.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDividendsPayableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDividendsPayableTextBlock.15880.11.6" xlink:to="lab_ScheduleOfDividendsPayableTextBlock.16775" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDividendsPayableTextBlock.16775" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDividendsPayableTextBlock.16775">Schedule of Dividends Payable [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDividendsPayableTextBlock.15880.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDividendsPayableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfDividendsPayableTextBlock.219060" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDividendsPayableTextBlock.219060">Schedule of Annualized Preferred Stock Dividends</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.15727.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.15727.11.6" xlink:to="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16559" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16559" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16559">Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.15727.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.15727.11.7" xlink:to="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064">Schedule of Stock Incentive Plan Activity</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.15758.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.15758.11.6" xlink:to="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16593" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16593" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16593">Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.15758.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.15758.11.7" xlink:to="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066">Schedule of Assumptions Used</link:label>
    <link:loc xlink:label="loc_ScheduleOfGoodwillTextBlock.15899.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfGoodwillTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfGoodwillTextBlock.15899.11.6" xlink:to="lab_ScheduleOfGoodwillTextBlock.16805" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfGoodwillTextBlock.16805" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfGoodwillTextBlock.16805">Schedule of Goodwill [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfGoodwillTextBlock.15899.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfGoodwillTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfGoodwillTextBlock.15899.11.7" xlink:to="lab_ScheduleOfGoodwillTextBlock.219428" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfGoodwillTextBlock.219428" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfGoodwillTextBlock.219428">Schedule of Goodwill</link:label>
    <link:loc xlink:label="loc_ScheduleOfDerivativeInstrumentsTextBlock.15888.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDerivativeInstrumentsTextBlock.15888.11.6" xlink:to="lab_ScheduleOfDerivativeInstrumentsTextBlock.16786" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDerivativeInstrumentsTextBlock.16786" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDerivativeInstrumentsTextBlock.16786">Schedule of Derivative Instruments [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDerivativeInstrumentsTextBlock.15888.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfDerivativeInstrumentsTextBlock.219431" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDerivativeInstrumentsTextBlock.219431">Schedule of Interest Rate Swaps</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.15972.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.15972.11.6" xlink:to="lab_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16924" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16924" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16924">Schedule of Segment Reporting Information, by Segment [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.15972.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfSegmentReportingInformationBySegmentTextBlock7.219433" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfSegmentReportingInformationBySegmentTextBlock7.219433">Schedule of Segment Results</link:label>
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15844.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16713" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16713">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15844.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
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    <link:loc xlink:label="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.15805.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="locator" />
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    <link:label xlink:label="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.16655" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.16655">Schedule of Condensed Balance Sheet [Table Text Block]</link:label>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>15
<FILENAME>asrv-20121231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings-->
<!--produced on 2013-03-07 @ 11:21 AM-->
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock', window );">Schedule of Non-Performing Assets</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-accrual loans:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,623</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,191</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,814</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,075</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,101</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">20</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>127</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 104</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 124</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total restructured loans not in non-accrual (TDR)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>182</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total non-performing assets including TDR</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,224</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,199</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.78</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Schedule of TDRs</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2012 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in non-accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">4</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,772</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">2</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">169</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">1</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">13</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2011 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in non-accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2010 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">2</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,337</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock', window );">Schedule of Recorded Investment Loans Classified as TDR's</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">Twelve months ended December 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> <u>Recorded investment of defaults</u><br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 595</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,312</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 390</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 595</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,312</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 390</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Schedule of Interest Income</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income due in accordance with original terms</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>231</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">376</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,086</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recorded</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (167</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (458</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net reduction in interest income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>231</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 209</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 628</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of non-performing assets including trouble debt restructurings.</p>
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                <p>No definition available.</p>
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                <p>Schedule of recorded investment in loans as trouble debt restructuring.</p>
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                <p>No definition available.</p>
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                <p>Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5111-111524<br><br><br><br></p>
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                <p>Tabular disclosure of financing receivables and troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953682-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953676-111524<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3FAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="2">0 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="5">0 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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          <div>Dec. 31, 2010</div>
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        <th class="th">
          <div>Dec. 19, 2008

</div>
          <div>Warrant Issued to US Treasury [Member]</div>
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        <th class="th">
          <div>Aug. 11, 2011

</div>
          <div>Series E Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Series E Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Aug. 11, 2011

</div>
          <div>Series E Preferred Stock [Member]

</div>
          <div>Minimum [Member]</div>
        </th>
        <th class="th">
          <div>Aug. 11, 2011

</div>
          <div>Series D Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 19, 2008

</div>
          <div>Series D Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 19, 2008

</div>
          <div>Series D Preferred Stock [Member]

</div>
          <div>Minimum [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 19, 2008

</div>
          <div>Series D Preferred Stock [Member]

</div>
          <div>Maximum [Member]</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_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Shares of stock issued</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">21,000<span></span></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">21,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Value of stock issued</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">$ 21,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 21,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate</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">5.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">9.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Shares of stock repurchased</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">21,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreferenceValue', window );">Aggregate liquidation preference</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">21,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">21,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfLendingIncentiveFeePayable', window );">Lending incentive fee</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">0.05%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MinimumPercentageTierOneCapitalToBeMaintained', window );">Minimum Tier 1 capital required to pay dividends</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">90.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockRedemptionPricePercentage', window );">Redemption price, percent of liquidation amount</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">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Number of securities covered by warrant</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,312,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ClassOfWarrantOrRightTerm', window );">Term of warrant</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">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights', window );">Exercise price of warrant</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2.4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Proceeds allocated to preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20,400,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfWarrants', window );">Proceeds allocated to warrants</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">Payments to repurchase warrants</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 825,000<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ClassOfWarrantOrRightTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Class Of Warrant Or Right, Term.</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>asrv_ClassOfWarrantOrRightTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_asrv_MinimumPercentageTierOneCapitalToBeMaintained">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum percentage tier one capital to be maintained.</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>asrv_MinimumPercentageTierOneCapitalToBeMaintained</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PercentageOfLendingIncentiveFeePayable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of lending incentive fee payable.</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>asrv_PercentageOfLendingIncentiveFeePayable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PreferredStockRedemptionPricePercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Preferred Stock, Redemption, Price Percentage.</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>asrv_PreferredStockRedemptionPricePercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_ClassOfStockLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exercise price of each class of warrants or rights outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(i)(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph i<br><br> -Subparagraph 4<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:perUnitItemType</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_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The specified number of securities that each class of warrants or rights outstanding give the holder the right but not the obligation to purchase from the issuer at a specific price, on or before a certain date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(i)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph i<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate 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 FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PreferredStockDividendRatePercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockDividendRatePercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>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_PreferredStockLiquidationPreferenceValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the difference between preference in liquidation and the par or stated values of the preferred shares.</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_PreferredStockLiquidationPreferenceValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromIssuanceOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 issuance of rights to purchase common shares at predetermined price (usually issued together with corporate 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 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_ProceedsFromIssuanceOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_StockIssuedDuringPeriodSharesNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesNewIssues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueNewIssues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_StockRepurchasedDuringPeriodShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section B<br><br> -Paragraph 11A<br><br> -Chapter 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedDuringPeriodShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryCapitalAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Schedule of Regulatory Capital Information</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AS OF DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">ACTUAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>122,583</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15.92%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,588</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>76,985</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>101,786</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13.34</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,060</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>76,325</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>112,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14.67</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,794</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>46,191</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>92,200</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12.08</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,530</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>45,795</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Average Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>112,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>39,474</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>49,343</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>92,200</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9.55</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>38,616</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>48,269</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AS OF DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">ACTUAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 120,315</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17.60</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 54,702</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 68,377</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 101,406</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14.96</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 54,231</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 67,789</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 16.33</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 27,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 41,026</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 92,847</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13.70</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 27,116</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 40,673</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Average Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 11.66</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 38,317</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 47,896</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 92,847</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9.90</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 37,498</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 46,872</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RegulatoryCapitalAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
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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>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958577-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 18<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesOperatingAbstract', window );"><strong>LEASE COMMITMENTS Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock', window );">Schedule of Future Minimum Payments on Operating Leases</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FUTURE MINIMUM LEASE PAYMENTS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">760</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">564</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">556</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">498</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">383</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2018 and thereafter</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,975</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LeasesOperatingAbstract</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>Tabular disclosure of future minimum payments required in the aggregate and for each of the five succeeding fiscal years for operating leases having initial or remaining noncancelable lease terms in excess of one year and the total minimum rentals to be received in the future under noncancelable subleases as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" 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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<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1TBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalToTangibleAssets', window );">Tangible common equity ratio</a></td>
        <td class="nump">7.78%<span></span></td>
        <td class="nump">8.15%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Total Capital (to Risk-Weighted Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Actual</a></td>
        <td class="nump">$ 122,583<span></span></td>
        <td class="nump">$ 120,315<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_CapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">61,588<span></span></td>
        <td class="nump">54,702<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">76,985<span></span></td>
        <td class="nump">68,377<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_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1 Capital (to Risk-Weighted Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Actual</a></td>
        <td class="nump">112,916<span></span></td>
        <td class="nump">111,683<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">30,794<span></span></td>
        <td class="nump">27,351<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_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">46,191<span></span></td>
        <td class="nump">41,026<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_TierOneLeverageCapitalAbstract', window );"><strong>Tier 1 Capital (to Average Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Actual</a></td>
        <td class="nump">112,916<span></span></td>
        <td class="nump">111,683<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_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">39,474<span></span></td>
        <td class="nump">38,317<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">49,343<span></span></td>
        <td class="nump">47,896<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskBasedRatiosAbstract', window );"><strong>Capital (to Risk Weighted Assets), Ratio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total - Actual</a></td>
        <td class="nump">15.92%<span></span></td>
        <td class="nump">17.60%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total - For capital adequacy purposes</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total - To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<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_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 - Actual</a></td>
        <td class="nump">14.67%<span></span></td>
        <td class="nump">16.33%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 - For capital adequacy purposes</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 - To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">6.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Tier 1 Capital (to Average Assets), Ratio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Actual</a></td>
        <td class="nump">11.44%<span></span></td>
        <td class="nump">11.66%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">For capital adequacy purposes</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">AmeriServ Financial Bank [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Total Capital (to Risk-Weighted Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Actual</a></td>
        <td class="nump">101,786<span></span></td>
        <td class="nump">101,406<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">61,060<span></span></td>
        <td class="nump">54,231<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">76,325<span></span></td>
        <td class="nump">67,789<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1 Capital (to Risk-Weighted Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Actual</a></td>
        <td class="nump">92,200<span></span></td>
        <td class="nump">92,847<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">30,530<span></span></td>
        <td class="nump">27,116<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">45,795<span></span></td>
        <td class="nump">40,673<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Tier 1 Capital (to Average Assets), Amount</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Actual</a></td>
        <td class="nump">92,200<span></span></td>
        <td class="nump">92,847<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purposes</a></td>
        <td class="nump">38,616<span></span></td>
        <td class="nump">37,498<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">$ 48,269<span></span></td>
        <td class="nump">$ 46,872<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskBasedRatiosAbstract', window );"><strong>Capital (to Risk Weighted Assets), Ratio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total - Actual</a></td>
        <td class="nump">13.34%<span></span></td>
        <td class="nump">14.96%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total - For capital adequacy purposes</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total - To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 - Actual</a></td>
        <td class="nump">12.08%<span></span></td>
        <td class="nump">13.70%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 - For capital adequacy purposes</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 - To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">6.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Tier 1 Capital (to Average Assets), Ratio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Actual</a></td>
        <td class="nump">9.55%<span></span></td>
        <td class="nump">9.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">For capital adequacy purposes</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">To be well capitalized under prompt corrective action provisions</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<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_Capital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of total capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 54<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 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 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<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 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Capital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_CapitalAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></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_CapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredForCapitalAdequacy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<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 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></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>Total Capital divided by risk weighted assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RiskBasedRatiosAbstract</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible Capital divided by Tangible assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TangibleCapitalToTangibleAssets</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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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 minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Risk Based Capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<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 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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>
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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 Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EN6AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract', window );"><strong>RECORDED INVESTMENT</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with specific allowance</a></td>
        <td class="nump">$ 4,239<span></span></td>
        <td class="nump">$ 2,836<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no specific allowance</a></td>
        <td class="nump">567<span></span></td>
        <td class="nump">1,034<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_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans</a></td>
        <td class="nump">4,806<span></span></td>
        <td class="nump">3,870<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance</a></td>
        <td class="nump">1,586<span></span></td>
        <td class="nump">968<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract', window );"><strong>UNPAID PRINCIPAL BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Total impaired loans</a></td>
        <td class="nump">4,863<span></span></td>
        <td class="nump">4,844<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract', window );"><strong>RECORDED INVESTMENT</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with specific allowance</a></td>
        <td class="nump">4,239<span></span></td>
        <td class="nump">2,836<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no specific allowance</a></td>
        <td class="nump">554<span></span></td>
        <td class="nump">1,034<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_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans</a></td>
        <td class="nump">4,793<span></span></td>
        <td class="nump">3,870<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance</a></td>
        <td class="nump">1,586<span></span></td>
        <td class="nump">968<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract', window );"><strong>UNPAID PRINCIPAL BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Total impaired loans</a></td>
        <td class="nump">4,850<span></span></td>
        <td class="nump">4,844<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer Loan [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract', window );"><strong>RECORDED INVESTMENT</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Impaired loans with specific allowance</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Impaired loans with no specific allowance</a></td>
        <td class="nump">13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total impaired loans</a></td>
        <td class="nump">13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related allowance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract', window );"><strong>UNPAID PRINCIPAL BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Total impaired loans</a></td>
        <td class="nump">$ 13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ImpairedFinancingReceivableRecordedInvestmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
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          </td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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                    <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_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 impaired financing receivables for which there is no related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 impaired financing receivables for which there is a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>instant</td>
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  </body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3OBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
        <td class="nump">$ 1,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock compensation expense</a></td>
        <td class="nump">41<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">61<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities</a></td>
        <td class="nump">3,212<span></span></td>
        <td class="nump">10,794<span></span></td>
        <td class="nump">2,730<span></span></td>
      </tr>
      <tr class="ro">
        <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>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump">59,800<span></span></td>
        <td class="nump">53,243<span></span></td>
        <td class="nump">61,483<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_NetCashProvidedByUsedInInvestingActivities', window );">Net cash (used in) provided by investing activities</a></td>
        <td class="num">(32,154)<span></span></td>
        <td class="num">(14,074)<span></span></td>
        <td class="nump">12,351<span></span></td>
      </tr>
      <tr class="re">
        <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>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_PaymentsForRepurchaseOfCommonStock', window );">Purchase of treasury stock</a></td>
        <td class="num">(4,417)<span></span></td>
        <td class="num">(582)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">Warrant repurchase</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(825)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
        <td class="num">(1,050)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">20,979<span></span></td>
        <td class="nump">18,726<span></span></td>
        <td class="num">(22,052)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="num">(7,963)<span></span></td>
        <td class="nump">15,446<span></span></td>
        <td class="num">(6,971)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">34,783<span></span></td>
        <td class="nump">19,337<span></span></td>
        <td class="nump">26,308<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
        <td class="nump">19,337<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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>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>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="nump">1,282<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="nump">2,080<span></span></td>
        <td class="num">(4,901)<span></span></td>
        <td class="num">(2,477)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock compensation expense</a></td>
        <td class="nump">38<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">61<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherOperatingActivitiesCashFlowStatement', window );">Other - net</a></td>
        <td class="num">(989)<span></span></td>
        <td class="num">(285)<span></span></td>
        <td class="num">(107)<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_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities</a></td>
        <td class="nump">6,168<span></span></td>
        <td class="nump">1,366<span></span></td>
        <td class="num">(1,241)<span></span></td>
      </tr>
      <tr class="re">
        <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>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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">(2,077)<span></span></td>
        <td class="num">(3,049)<span></span></td>
        <td class="num">(4,044)<span></span></td>
      </tr>
      <tr class="re">
        <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 maturities of investment securities - available for sale</a></td>
        <td class="nump">2,809<span></span></td>
        <td class="nump">5,942<span></span></td>
        <td class="nump">7,050<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Capital contribution to banking subsidiary</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(1,000)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash (used in) provided by investing activities</a></td>
        <td class="nump">732<span></span></td>
        <td class="nump">2,893<span></span></td>
        <td class="nump">2,006<span></span></td>
      </tr>
      <tr class="ro">
        <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>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of treasury stock</a></td>
        <td class="num">(4,417)<span></span></td>
        <td class="num">(582)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">Warrant repurchase</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(825)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
        <td class="num">(1,050)<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="num">(5,245)<span></span></td>
        <td class="num">(2,461)<span></span></td>
        <td class="num">(1,050)<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_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump">1,655<span></span></td>
        <td class="nump">1,798<span></span></td>
        <td class="num">(285)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">4,530<span></span></td>
        <td class="nump">2,732<span></span></td>
        <td class="nump">3,017<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">$ 6,185<span></span></td>
        <td class="nump">$ 4,530<span></span></td>
        <td class="nump">$ 2,732<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_IncomeLossFromSubsidiariesNetOfTax</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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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        </tr>
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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_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <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_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 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 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<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 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 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 02<br><br> -Paragraph 1<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_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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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>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>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
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            </div>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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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                  <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>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <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>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </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>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_OtherOperatingActivitiesCashFlowStatement">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 cash or noncash adjustments to reconcile net income to cash provided by (used in) operating activities that are not separately disclosed in the statement of cash flows (for example,  cash received or cash paid during the current period for miscellaneous operating activities, net change during the reporting period in other assets or other liabilities).</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_OtherOperatingActivitiesCashFlowStatement</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsForProceedsFromOtherInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 from other investing activities. This element is used when there is not a more specific and appropriate element 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 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 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromOtherInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate 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 FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 outflow in the form of ordinary dividends to preferred shareholders, generally out of earnings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsOfDividendsPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <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>
                  </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>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
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                  <tr>
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                    <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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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Balance Sheets</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ASSETS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>100</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term investments in money market funds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,430</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,534</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 11,269</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity investment in banking subsidiary</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>99,121</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 103,010</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity investment in non-banking subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,017</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,888</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Guaranteed junior subordinated deferrable interest debenture issuance costs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>240</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">256</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other assets</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,713</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,604</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL ASSETS</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>123,810</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 126,557</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> LIABILITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Guaranteed junior subordinated deferrable interest debentures</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,085</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other liabilities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>257</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,120</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL LIABILITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,342</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,205</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> STOCKHOLDERS&#39; EQUITY<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total stockholders&#39; equity</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>110,468</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 112,352</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL LIABILITIES AND STOCKHOLDERS&#39; EQUITY</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>123,810</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 126,557</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Statements of Operations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INCOME<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Inter-entity management and other fees</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,355</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,329</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,362</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Dividends from banking subsidiary</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,500</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Dividends from non-banking subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>710</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">620</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest and dividend income</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>306</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 415</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 499</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL INCOME</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,371</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,864</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,066</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> EXPENSE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,121</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,121</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,121</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Salaries and employee benefits</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,368</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,394</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,333</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,582</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,477</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,529</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL EXPENSE</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,071</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,992</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,983</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,300</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">872</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,917</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit for income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>819</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">764</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">722</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity in undistributed earnings of subsidiaries</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,080)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,901</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,477</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET INCOME</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COMPREHENSIVE INCOME</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,320</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,739</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 793</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Statements of Cash Flows</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> OPERATING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Adjustment to reconcile net income to net cash provided by (used in) operating activities:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity in undistributed earnings of subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,080</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,901</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,477</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Stock compensation expense</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>38</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">61</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other&nbsp;-&nbsp;net</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(989)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (285</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (107</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,168</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,366</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,241</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INVESTING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Purchase of investment securities&nbsp;-&nbsp;available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,077)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,049</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,044</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Proceeds from maturity of investment securities&nbsp;-&nbsp;available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,809</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,942</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,050</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Capital contribution to banking subsidiary</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH PROVIDED BY INVESTING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>732</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,893</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,006</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Purchase of treasury stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(4,417)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (582</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Warrant repurchase</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (825</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Preferred stock dividends paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(828)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,054</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,050</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH USED IN FINANCING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,245)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,461</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,050</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,655</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,798</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (285</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CASH AND CASH EQUIVALENTS AT JANUARY 1</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,530</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,732</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,017</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CASH AND CASH EQUIVALENTS AT DECEMBER 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,185</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,530</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,732</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETAAE">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of TDRs) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2012

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          <div>Commercial Loans Secured by Real Estate [Member]

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          <div>Commercial Loans Secured by Real Estate [Member]

</div>
          <div>Accrual Status [Member]</div>
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          <div>Dec. 31, 2012

</div>
          <div>Commercial Loans Secured by Real Estate [Member]

</div>
          <div>Non Accrual Status [Member]</div>
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        <th class="th">
          <div>Dec. 31, 2011

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          <div>Commercial Loans Secured by Real Estate [Member]

</div>
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          <div>Dec. 31, 2012

</div>
          <div>Consumer [Member]

</div>
          <div>Accrual Status [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts1', window );"># of Loans</a></td>
        <td class="nump">2<span></span></td>
        <td class="nump">2<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="nump">5<span></span></td>
        <td class="nump">1<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_FinancingReceivableModificationsPostModificationRecordedInvestment1', window );">Current Balance</a></td>
        <td class="nump">$ 169<span></span></td>
        <td class="nump">$ 1,337<span></span></td>
        <td class="nump">$ 3,772<span></span></td>
        <td class="nump">$ 2,870<span></span></td>
        <td class="nump">$ 13<span></span></td>
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          <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_FinancingReceivableModificationsLineItems</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</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>Number of financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsNumberOfContracts1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <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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        <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 financing receivables (after modification) modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment1</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>instant</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EJIAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract', window );"><strong>COMPONENTS OF NET PERIODIC BENEFIT COST:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">$ 1,593<span></span></td>
        <td class="nump">$ 1,335<span></span></td>
        <td class="nump">$ 1,097<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">1,234<span></span></td>
        <td class="nump">1,198<span></span></td>
        <td class="nump">1,186<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets', window );">Expected return on plan assets</a></td>
        <td class="num">(1,656)<span></span></td>
        <td class="num">(1,582)<span></span></td>
        <td class="num">(1,467)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit', window );">Amortization of prior year service cost</a></td>
        <td class="num">(19)<span></span></td>
        <td class="nump">7<span></span></td>
        <td class="nump">15<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets', window );">Amortization of transition asset</a></td>
        <td class="num">(17)<span></span></td>
        <td class="num">(17)<span></span></td>
        <td class="num">(17)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Recognized net actuarial loss</a></td>
        <td class="nump">1,094<span></span></td>
        <td class="nump">800<span></span></td>
        <td class="nump">706<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_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension cost</a></td>
        <td class="nump">$ 2,229<span></span></td>
        <td class="nump">$ 1,741<span></span></td>
        <td class="nump">$ 1,520<span></span></td>
      </tr>
    </table>
    <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 amount of gains or losses recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</nobr></td>
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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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the prior service cost or credit recognized in net periodic benefit cost relating to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit</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>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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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the transition obligation or asset recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512136<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512171<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 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets</nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>credit</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 increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>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 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<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 total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<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 );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
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                    <td><nobr>us-gaap_DefinedBenefitPlanServiceCost</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Schedule of Expense for Income Taxes</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Current</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>140</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">95</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">206</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deferred</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,101</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,758</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (126</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense based on federal statutory rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,475</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>34.0%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,193</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34.0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">463</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34.0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tax exempt income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(315)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(4.3)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (325</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3.5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (443</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (32.5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>81</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.1</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (15</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (0.1</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 60</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.4</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total expense for income taxes</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30.8%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 30.4</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> DEFERRED TAX ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Allowance for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,274</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,972</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Unfunded commitment reserve</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>221</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">259</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Premises and equipment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,626</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,468</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Accrued pension obligation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,357</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Net operating loss carryforwards</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,883</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,300</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Alternative minimum tax credits</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,635</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,485</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>368</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 419</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total tax assets</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,923</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,260</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> DEFERRED TAX LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Investment accretion</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(28)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Unrealized investment security gains</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,133)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,295</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(295)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (250</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total tax liabilities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,456)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,579</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net deferred tax asset</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,467</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,681</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock', window );">Schedule of Change in Net Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Unrealized gains recognized in comprehensive income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>162</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,231</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Pension obligation of the defined benefit plan not yet recognized in income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>725</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">612</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deferred provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,101)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,758</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net decrease</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,214)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,377</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Changes In Deferred Taxes [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 25. SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">2012 QUARTER ENDED</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DEC. 31</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SEPT. 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">JUNE 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MARCH 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,878</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,030</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,885</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,124</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,796</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,888</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,964</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,066</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,082</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,142</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,921</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,058</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>550</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(200)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(500)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(625)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income after provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,532</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,342</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,421</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,683</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,887</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,649</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,733</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,674</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,373</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,087</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,067</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,114</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,046</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,904</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,087</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,243</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>311</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>597</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>655</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>678</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>735</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,307</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,432</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,565</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Basic earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.04</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.05</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Diluted earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.04</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.05</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash dividends declared per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">2011 QUARTER ENDED</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DEC. 31</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SEPT. 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">JUNE 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MARCH 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,492</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,530</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,596</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,233</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,374</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,444</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,630</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,113</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,118</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,086</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,966</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,250</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (550</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,175</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (600</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income after provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,363</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,668</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,261</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,566</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,486</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,524</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,454</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,105</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,359</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,882</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,877</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,919</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,490</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,310</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,838</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,752</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 720</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 744</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 900</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 489</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,770</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,566</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,938</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,263</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Basic earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.07</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.08</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Diluted earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.07</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.08</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash dividends declared per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYNAC">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Recorded Investment in Loans Classified as TDR's) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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          <div>Dec. 31, 2010</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 595<span></span></td>
        <td class="nump">$ 1,312<span></span></td>
        <td class="nump">$ 390<span></span></td>
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          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 595<span></span></td>
        <td class="nump">$ 1,312<span></span></td>
        <td class="nump">$ 390<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953682-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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      <tr>
        <th class="th">
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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_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
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        <td class="nump">12,613<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<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 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Purchase accounting adjustments needed to revise the carrying amount of goodwill to fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 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></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EESAI">
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        <td class="text">&#xA0;<span></span></td>
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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">486,161<span></span></td>
        <td class="nump">432,902<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">99,886<span></span></td>
        <td class="nump">80,175<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member] | Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">343,885<span></span></td>
        <td class="nump">305,066<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member] | Commercial and Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">443,771<span></span></td>
        <td class="nump">385,241<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">28<span></span></td>
        <td class="nump">2,186<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member] | Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">20,836<span></span></td>
        <td class="nump">28,138<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member] | Commercial and Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">20,864<span></span></td>
        <td class="nump">30,324<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">2,908<span></span></td>
        <td class="nump">763<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member] | Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">17,010<span></span></td>
        <td class="nump">16,244<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member] | Commercial and Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">19,918<span></span></td>
        <td class="nump">17,007<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member] | Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">1,608<span></span></td>
        <td class="nump">330<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member] | Commercial and Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">$ 1,608<span></span></td>
        <td class="nump">$ 330<span></span></td>
      </tr>
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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_FinancingReceivableRecordedInvestmentLineItems</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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                    <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>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or 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 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<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_NotesReceivableNet</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EJIBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liability Measured on a Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">$ 151,538<span></span></td>
        <td class="nump">$ 182,923<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<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_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Significant Other Observable Inputs (Level 2) [Member]</div>
        </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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<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_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">5,911<span></span></td>
        <td class="nump">10,709<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">137,735<span></span></td>
        <td class="nump">172,214<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Corporate Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">7,892<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets For Identical Assets (Level 1) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets For Identical Assets (Level 1) [Member] | U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets For Identical Assets (Level 1) [Member] | U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">5,911<span></span></td>
        <td class="nump">10,709<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">137,735<span></span></td>
        <td class="nump">172,214<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">7,892<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_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> -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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15E<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_DerivativeAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 values as of the balance sheet date of all assets resulting from contracts that meet the criteria of being accounted for as derivative instruments, net of the effects of master netting arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<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 FIN39-1<br><br> -Paragraph 10A, 10B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 4, 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13495-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>instant</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_DerivativeLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 values as of the balance sheet date of all liabilities resulting from contracts that meet the criteria of being accounted for as derivative instruments, net of the effects of master netting arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<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 FIN39-1<br><br> -Paragraph 10A, 10B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 4, 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13495-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLiabilities</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>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</nobr></td>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3ZAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>BUSINESS AND NATURE OF OPERATIONS:</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_NumberOfStores', window );">Number of locations</a></td>
        <td class="nump">18<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NumberOfCountiesInWhichEntityOperates', window );">Number of counties</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsHeldInTrust', window );">Trust and financial services and administers assets</a></td>
        <td class="nump">$ 1,450,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>LOANS:</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_asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable', window );">Threshold for discontinuing accrual of interest income</a></td>
        <td class="text">90 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</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_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS 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_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Shares not included in computation of earnings per common share</a></td>
        <td class="nump">49,845<span></span></td>
        <td class="nump">185,917<span></span></td>
        <td class="nump">1,467,142<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 2.29<span></span></td>
        <td class="nump">$ 3.81<span></span></td>
        <td class="nump">$ 4.79<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RepurchaseOfWarrantsShares', window );">Warrants repurchased, shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,312,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK-BASED COMPENSATION:</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_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump">38<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">18<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum', window );">Risk-free interest rate, minimum</a></td>
        <td class="nump">1.66%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum', window );">Risk-free interest rate, maximum</a></td>
        <td class="nump">3.83%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected lives in years</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum', window );">Expected volatility, minimum</a></td>
        <td class="nump">33.26%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum', window );">Expected volatility, maximum</a></td>
        <td class="nump">35.77%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>CONSOLIDATED STATEMENT OF CASH FLOWS:</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_IncomeTaxesPaid', window );">Income tax payments</a></td>
        <td class="nump">142<span></span></td>
        <td class="nump">97<span></span></td>
        <td class="nump">174<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Non-cash transfers to other real estate owned</a></td>
        <td class="nump">1,266<span></span></td>
        <td class="nump">169<span></span></td>
        <td class="nump">788<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Total interest payments</a></td>
        <td class="nump">8,154<span></span></td>
        <td class="nump">10,699<span></span></td>
        <td class="nump">13,084<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS 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="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 2.8<span></span></td>
        <td class="nump">$ 2.07<span></span></td>
        <td class="nump">$ 1.73<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 5.75<span></span></td>
        <td class="nump">$ 6.1<span></span></td>
        <td class="nump">$ 6.1<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</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_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Small Business Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</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_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment', window );">Threshold for collectively evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</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_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">$ 100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Buildings [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</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_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">30 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Equipment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</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_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Collectively Evaluating Of Impairment.</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>asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</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>asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_NumberOfCountiesInWhichEntityOperates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of counties in which the entity operates as of balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NumberOfCountiesInWhichEntityOperates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RepurchaseOfWarrantsShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Repurchase Of Warrants, Shares.</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>asrv_RepurchaseOfWarrantsShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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>asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6793087&amp;loc=d3e301413-122809<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllocatedShareBasedCompensationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Diluted Earnings Per Share<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<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 Contingent Stock Agreement<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<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 Antidilution<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 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 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 40<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 8: 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 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_AssetsHeldInTrust">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 cash and securities held by third party trustees pursuant to terms of debt instruments or other agreements as of the date of each statement of financial position presented, which can be used by the trustee only to pay the noncurrent portion of specified obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 61<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph 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_AssetsHeldInTrust</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_FinancingReceivableAllowanceForCreditLossesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_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_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_NumberOfStores">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 number of stores.</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_NumberOfStores</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_PropertyPlantAndEquipmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_PropertyPlantAndEquipmentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_PropertyPlantAndEquipmentUsefulLife">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but 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>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_PropertyPlantAndEquipmentUsefulLife</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_ReceivablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_ReceivablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph e(2)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>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_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.D.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6793087&amp;loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section D<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> 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 estimated measure of the maximum percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated measure of the minimum percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 risk-free interest rate assumption that is used in valuing an option on its own shares.</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum</nobr></td>
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                    <td>num:percentItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum risk-free interest rate assumption that is used in valuing an option on its own shares.</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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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 weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</nobr></td>
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                    <td>num:perShareItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <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_SupplementalCashFlowInformationAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>xbrli:stringItemType</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>Value of other real estate transferred from 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_TransferOfOtherRealEstate</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EVIAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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      </tr>
      <tr class="rh">
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          <div class="a">Pension Plans [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract', window );"><strong>ESTIMATED FUTURE BENEFIT PAYMENTS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">2013</a></td>
        <td class="nump">$ 2,243<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_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2014</a></td>
        <td class="nump">2,338<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2015</a></td>
        <td class="nump">2,142<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2016</a></td>
        <td class="nump">2,555<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_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2017</a></td>
        <td class="nump">2,709<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_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2018- 2022</a></td>
        <td class="nump">$ 13,347<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>na</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid  in the five fiscal years after the fifth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter</nobr></td>
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                    <td>xbrli:monetaryItemType</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>Amount of benefits expected to be paid in the next fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>credit</td>
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                    <td><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>
        </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 benefits expected to be paid in the fifth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the fourth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour</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 class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the third fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree</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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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the second fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo</nobr></td>
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                    <td>us-gaap_</td>
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<TYPE>XML
<SEQUENCE>35
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFYAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Non-Performing Assets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">$ 5,814<span></span></td>
        <td class="nump">$ 5,075<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">1,228<span></span></td>
        <td class="nump">124<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Total restructured loans not in non-accrual (TDR)</a></td>
        <td class="nump">182<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings', window );">Total non-performing assets including TDR</a></td>
        <td class="nump">7,224<span></span></td>
        <td class="nump">5,199<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans', window );">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">0.78%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">4,623<span></span></td>
        <td class="nump">3,870<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">1,101<span></span></td>
        <td class="nump">20<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modifications [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">1,191<span></span></td>
        <td class="nump">1,205<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">$ 127<span></span></td>
        <td class="nump">$ 104<span></span></td>
      </tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Non Performing Assets Including Trouble Debt Restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings</nobr></td>
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                    <td>asrv_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <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_FinancingReceivableModificationsLineItems</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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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6951948&amp;loc=d3e18845-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsRecordedInvestment</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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          </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>Reflects the carrying amount of loans deemed to be questionable as to collection on which no interest is continuing to be recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 percentage derived from dividing impaired loans on which interest has ceased to be accrued by total 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_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </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> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 2, 3, 4<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_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>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2YAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS (Details) (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>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ShortTermDebtInstrumentWeightedAverageTerm', window );">Average maturity</a></td>
        <td class="text">1 day<span></span></td>
        <td class="text">3 days<span></span></td>
        <td class="text">3 days<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Federal Funds Purchased [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Balance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum indebtedness at any month end</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="nump">117<span></span></td>
        <td class="nump">49<span></span></td>
        <td class="nump">9<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump">0.34%<span></span></td>
        <td class="nump">0.32%<span></span></td>
        <td class="nump">0.51%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Short-Term Borrowings [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Balance</a></td>
        <td class="nump">15,660<span></span></td>
        <td class="nump">15,765<span></span></td>
        <td class="nump">4,550<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum indebtedness at any month end</a></td>
        <td class="nump">19,755<span></span></td>
        <td class="nump">15,765<span></span></td>
        <td class="nump">9,230<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="nump"> 5,225<span></span></td>
        <td class="nump"> 1,167<span></span></td>
        <td class="nump"> 3,110<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump">0.20%<span></span></td>
        <td class="nump">0.51%<span></span></td>
        <td class="nump">0.71%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Interest rate on year end balance</a></td>
        <td class="nump">0.25%<span></span></td>
        <td class="nump">0.34%<span></span></td>
        <td class="nump">0.62%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ShortTermDebtInstrumentWeightedAverageTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Debt Instrument, Weighted Average Term.</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>asrv_ShortTermDebtInstrumentWeightedAverageTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_DebtInstrumentInterestRateDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average effective interest rate during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<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 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentInterestRateDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>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_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Subparagraph a(1)<br><br> -Article 7<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<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 13<br><br> -Subparagraph 2, 3<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<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_ShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ShorttermDebtAverageOutstandingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, average borrowings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShorttermDebtAverageOutstandingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                <p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, maximum month-end borrowings 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 Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Subsection 2<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                <p>Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of short-term debt outstanding by type or by instrument at that time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b))<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 19<br><br> -Subparagraph b<br><br> -Article 5<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="ID0E6DAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">$ 33,900<span></span></td>
        <td class="nump">$ 32,199<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less: Accumulated depreciation and amortization</a></td>
        <td class="nump">22,102<span></span></td>
        <td class="nump">21,525<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net book value</a></td>
        <td class="nump">11,798<span></span></td>
        <td class="nump">10,674<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_Depreciation', window );">Depreciation expense</a></td>
        <td class="nump">1,500<span></span></td>
        <td class="nump">1,500<span></span></td>
        <td class="nump">1,500<span></span></td>
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          <div class="a">Land [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">1,208<span></span></td>
        <td class="nump">1,208<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
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          <div class="a">Premises [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">24,430<span></span></td>
        <td class="nump">23,534<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Furniture and Equipment [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">7,572<span></span></td>
        <td class="nump">6,941<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Leasehold Improvements [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">$ 690<span></span></td>
        <td class="nump">$ 516<span></span></td>
        <td class="text">&#xA0;<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 cumulative amount of depreciation, depletion and amortization (related to property, plant and equipment, but not including land) that has been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 14<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Depreciation</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross amount 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> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentGross</nobr></td>
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                <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> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 8<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 12<br><br> -Paragraph 5<br><br> -Subparagraph b, c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<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_PropertyPlantAndEquipmentNet</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETLAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract', window );"><strong>WEIGHTED AVERAGE YIELD</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate', window );">Overnight</a></td>
        <td class="nump">0.25%<span></span></td>
        <td class="nump">1.64%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate', window );">2012</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.30%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate', window );">2015</a></td>
        <td class="nump">0.52%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate', window );">2016</a></td>
        <td class="nump">0.74%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate', window );">2017</a></td>
        <td class="nump">0.92%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate', window );">Total advances</a></td>
        <td class="nump">0.73%<span></span></td>
        <td class="nump">1.30%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd', window );">Total FHLB borrowings</a></td>
        <td class="nump">0.47%<span></span></td>
        <td class="nump">0.60%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract', window );"><strong>BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 15,660<span></span></td>
        <td class="nump">$ 15,765<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">2012</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2015</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2016</a></td>
        <td class="nump">5,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2017</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Total advances</a></td>
        <td class="nump">13,000<span></span></td>
        <td class="nump">6,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Total FHLB borrowings</a></td>
        <td class="nump">$ 28,660<span></span></td>
        <td class="nump">$ 21,765<span></span></td>
      </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>Borrowings And Advances From FHLB Maturing Overnight.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowings And Advances From FHLB Maturing Overnight Weighted Average Interest 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;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 18<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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdvancesFromFederalHomeLoanBanks</nobr></td>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The calculated weighted average interest rate for Federal Home Loan Bank advances outstanding as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Describes the weighted average interest rate applicable to the specific advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 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 210.5-02.19(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 15, 18<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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 47<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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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 weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from four to five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due within one year of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII.3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from three to four years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Paragraph 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from two to three years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the fourth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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          <td>
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                <p>Amount of federal home loan bank advances maturing in the third fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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">
                  <tr>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ESE">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowersAggregateExposureForLoanModificationMinimum', window );">Borrowers aggregate exposure for loan modification, minimum</a></td>
        <td class="nump">$ 250<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowers aggregate exposure for loan modification minimum.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td>duration</td>
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<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EOGAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average impaired balance:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">$ 3,770<span></span></td>
        <td class="nump">$ 4,982<span></span></td>
        <td class="nump">$ 18,202<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_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract', window );"><strong>Interest income recognized:</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="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">167<span></span></td>
        <td class="nump">458<span></span></td>
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          <div class="a">Commercial [Member]</div>
        </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_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average impaired balance:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">503<span></span></td>
        <td class="nump">3,591<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_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract', window );"><strong>Interest income recognized:</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_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">17<span></span></td>
        <td class="nump">90<span></span></td>
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          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average impaired balance:</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_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">3,754<span></span></td>
        <td class="nump">4,479<span></span></td>
        <td class="nump">14,611<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_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract', window );"><strong>Interest income recognized:</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_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="nump">368<span></span></td>
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          <div class="a">Consumer Loan [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average impaired balance:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">3<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_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract', window );"><strong>Interest income recognized:</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_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></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>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                <p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockTextBlock', window );">PREFERRED STOCK</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 17. PREFERRED STOCK</h2> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> SBLF:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of "qualified small business lending" ("QSBL") by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the "Baseline") as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-top; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="384"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DIVIDEND PERIOD ANNUALIZED</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom" rowspan="2"><!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" rowspan="2">ANNUALIZED<br /> DIVIDEND RATE</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> BEGINNING</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> ENDING</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">August 11, 2011</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">December 31, 2011</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2012</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">December 31, 2013</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">1.0% to 5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2014</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">February 7, 2016</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">1.0% to 7.0%<sup>(1)</sup></td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">February 8, 2016</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">Redemption</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center">9.0%<sup>(2)</sup></td> </tr> </table> </div> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(1)</td> <td style="TEXT-ALIGN: left">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(2)</td> <td style="TEXT-ALIGN: left">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of December 31, 2012, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. This 1% rate will continue at least through the second quarter of 2013.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the "Tier 1 Dividend Threshold"). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> TARP CPP:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On October 3, 2008, the Emergency Economic Stabilization Act of 2008 (initially introduced as the Troubled Asset Relief Program or TARP) was enacted. On October 14, 2008, the US Treasury announced its intention to inject capital into financial institutions under the TARP Capital Purchase Program (the CPP). The CPP was a voluntary program designed to provide capital to healthy well managed financial institutions in order to increase the availability of credit to businesses and individuals and help stabilize the US financial system.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On December 19, 2008, the Company sold to the US Treasury for an aggregate purchase price of $21 million in cash 21,000 shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series D. In conjunction with the purchase of these senior preferred shares, the US Treasury also received a warrant to purchase up to 1,312,500 shares of the Company&#39;s common stock. The warrant had a term of 10 years and was exercisable at any time, in whole or in part, at an exercise price of $2.40 per share. The $21 million in proceeds was allocated to the Series D Preferred Stock and the warrant based on their relative fair values at issuance (approximately $20.4 million was allocated to the Series D Preferred Stock and approximately $600,000 to the warrant). The difference between the initial value allocated to the Series D Preferred Stock of approximately $20.4 million and the liquidation value of $21 million was charged to retained earnings over the first five years of the contract. Cumulative dividends on Series D Preferred Stock were payable quarterly at 5% through December 19, 2013 and at a rate of 9% thereafter. The Company redeemed all of the shares of the Series D Preferred Stock on August 11, 2011 and repurchased the warrant from the US Treasury for $825,000 during 2011. As such, the Company has formally concluded its participation in the TARP CPP program.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for terms, amounts, nature of changes, rights and privileges, dividends, and other matters related to preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Schedule of Stock Incentive Plan Activity</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Outstanding at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>313,612</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.02</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 257,287</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.18</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 293,609</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.23</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Granted</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164,241</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.73</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 58,575</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 105,041</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.78</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Exercised</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,500)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.70</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (750</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.70</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Forfeited</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(77,982)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.47</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,500</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.70</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (141,363</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.31</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Outstanding at end of year</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>398,371</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.43</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 313,612</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.02</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 257,287</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.18</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Exercisable at end of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>167,624</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.29</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 179,874</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.81</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 118,571</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.79</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average fair value of options granted in current year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.80</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.39</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock', window );">Schedule of Assumptions Used</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> BLACK-SCHOLES ASSUMPTION RANGES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Risk-free interest rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> <strong>1.66&nbsp;-&nbsp;2.28%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 2.19&nbsp;-&nbsp;3.62</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 3.21&nbsp;-&nbsp;3.83</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected lives in years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">10</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">10</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected volatility</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> <strong>33.26&nbsp;-&nbsp;35.77%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 35.03&nbsp;-&nbsp;35.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 34.60&nbsp;-&nbsp;35.74</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected dividend rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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                <p>Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShortTermDebtTextBlock', window );">Schedule of Balances and Related Information for Federal Funds Purchased and Other Short-term Borrowings</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,755</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>117</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,225</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.34%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.20%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.25</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">49</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,167</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.32</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">OTHER SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,550</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,230</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">9</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,110</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.71</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year-end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.62</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShortTermDebtTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of short-term debt arrangements (having initial terms of repayment within one year or the normal operating cycle, if longer) including: (1) description of the short-term debt arrangement; (2) identification of the lender or type of lender; (3) repayment terms; (4) weighted average interest rate; (5) carrying amount of funds borrowed under the specified short-term debt arrangement as of the balance sheet date; (6) description of the refinancing of a short-term obligation when that obligation is excluded from current liabilities in the balance sheet; and (7) amount of a short-term obligation that has been excluded from current liabilities in the balance sheet because of a refinancing of the obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<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 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19)<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_ScheduleOfShortTermDebtTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_ShortTermBorrowingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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                </table>
              </div>
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          </td>
        </tr>
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  </body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EPOBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Aging Categories of Performing Loans and Nonaccrual Loans) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">$ 713,280<span></span></td>
        <td class="nump">$ 657,970<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 days past due</a></td>
        <td class="nump">3,256<span></span></td>
        <td class="nump">2,840<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 days past due</a></td>
        <td class="nump">2,928<span></span></td>
        <td class="nump">629<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 days past due</a></td>
        <td class="nump">1,701<span></span></td>
        <td class="nump">2,298<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
        <td class="nump">7,885<span></span></td>
        <td class="nump">5,767<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_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">721,165<span></span></td>
        <td class="nump">663,737<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 days past due and still accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">102,775<span></span></td>
        <td class="nump">83,124<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 days past due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 days past due</a></td>
        <td class="nump">47<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 days past due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
        <td class="nump">47<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">102,822<span></span></td>
        <td class="nump">83,124<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 days past due and still accruing</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">379,834<span></span></td>
        <td class="nump">347,671<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 days past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">650<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 days past due</a></td>
        <td class="nump">2,545<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 days past due</a></td>
        <td class="nump">960<span></span></td>
        <td class="nump">1,457<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
        <td class="nump">3,505<span></span></td>
        <td class="nump">2,107<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_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">383,339<span></span></td>
        <td class="nump">349,778<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 days past due and still accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">213,300<span></span></td>
        <td class="nump">209,060<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 days past due</a></td>
        <td class="nump">3,240<span></span></td>
        <td class="nump">2,133<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 days past due</a></td>
        <td class="nump">303<span></span></td>
        <td class="nump">629<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 days past due</a></td>
        <td class="nump">741<span></span></td>
        <td class="nump">841<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
        <td class="nump">4,284<span></span></td>
        <td class="nump">3,603<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_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">217,584<span></span></td>
        <td class="nump">212,663<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 days past due and still accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">17,371<span></span></td>
        <td class="nump">18,115<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 days past due</a></td>
        <td class="nump">16<span></span></td>
        <td class="nump">57<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 days past due</a></td>
        <td class="nump">33<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 days past due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total past due</a></td>
        <td class="nump">49<span></span></td>
        <td class="nump">57<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_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">17,420<span></span></td>
        <td class="nump">18,172<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 days past due and still accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_FinancingReceivableRecordedInvestment30To59DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 60 days past due but more than 29 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FinancingReceivableRecordedInvestment60To89DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 90 days past due but more than 59 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are current.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are equal to or greater than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded Investment in financing receivables that are past due at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_FinancingReceivableRecordedInvestmentPastDueLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after 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> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 116<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKJAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent', window );">Unrealized gains recognized in comprehensive income</a></td>
        <td class="nump">$ 162<span></span></td>
        <td class="num">$ (1,231)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Pension obligation of the defined benefit plan not yet recognized in income</a></td>
        <td class="nump">725<span></span></td>
        <td class="nump">612<span></span></td>
        <td class="nump">352<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Deferred provision for income taxes</a></td>
        <td class="num">(2,101)<span></span></td>
        <td class="num">(2,758)<span></span></td>
        <td class="nump">126<span></span></td>
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      <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_IncreaseDecreaseInDeferredIncomeTaxes', window );">Net (decrease)</a></td>
        <td class="num">$ (1,214)<span></span></td>
        <td class="num">$ (3,377)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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    </table>
    <div style="display: none;">
      <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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the account that represents the temporary difference that results from Income or Loss that is recognized for accounting purposes but not for tax purposes and vice versa.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect of the appreciation (loss) in value of unsold available-for-sale securities attributable to the parent entity. Excludes amounts related to other than temporary impairment (OTTI) 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 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<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 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></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>Tax effect, net of reclassification adjustments, of the change in accumulated other comprehensive income (loss) related to pension and other postretirement benefit plans, attributable to the parent 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 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<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 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></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LOANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Schedule of Loan Portfolio</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The loan portfolio of the Company consisted of the following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of unearned income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 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 3, 4<br><br> -Article 5<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>DERIVATIVE HEDGING INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock', window );">Schedule of Interest Rate Swaps</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> START DATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MATURITY DATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">HEDGE<br /> TYPE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NOTIONAL AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE RECEIVED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE<br /> PAID</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REPRICING FREQUENCY</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INCREASE (DECREASE) IN INTEREST EXPENSE</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 12/12/08</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 09/24/13</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom">FAIR VALUE</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,000,000</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.73</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> MONTHLY</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>227,088</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 12/12/08</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 09/24/13</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> FAIR VALUE</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,000,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.73</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> MONTHLY</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(227,088)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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    <div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</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>Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41678-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<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 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41641-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
              </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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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2LAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Changes in Allowance for Loan Losses) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">$ 14,623<span></span></td>
        <td class="nump">$ 19,765<span></span></td>
        <td class="nump">$ 19,685<span></span></td>
      </tr>
      <tr class="re">
        <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 (credit) for loan losses</a></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<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_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries on loans previously charged-off</a></td>
        <td class="nump">484<span></span></td>
        <td class="nump">1,374<span></span></td>
        <td class="nump">461<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Loans charged-off</a></td>
        <td class="num">(1,761)<span></span></td>
        <td class="num">(2,941)<span></span></td>
        <td class="num">(5,631)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">$ 12,571<span></span></td>
        <td class="nump">$ 14,623<span></span></td>
        <td class="nump">$ 19,765<span></span></td>
      </tr>
    </table>
    <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>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of direct write-downs of financing receivables charged against the allowance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</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 class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowanceAbstract</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>
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          </td>
        </tr>
      </table>
      <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>
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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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<DOCUMENT>
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<SEQUENCE>49
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EWQAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="2">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Commitments to Extend Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011

</div>
          <div>Commitments to Extend Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Standby Letters of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011

</div>
          <div>Standby Letters of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Standby Letters of Credit [Member]

</div>
          <div>Minimum [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Standby Letters of Credit [Member]

</div>
          <div>Maximum [Member]</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_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_LossContingencyRangeOfPossibleLossMaximum', window );">Amount of commitment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 132,804<span></span></td>
        <td class="nump">$ 124,820<span></span></td>
        <td class="nump">$ 11,365<span></span></td>
        <td class="nump">$ 10,991<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossContingencyTermOfCommitment', window );">Term of commitment</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">1 year<span></span></td>
        <td class="text">2 years<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_LoansAndLeasesReceivableCollateralForSecuredBorrowings', window );">Amount of commitments secured</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">4,200<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability', window );">Carrying value of commitment</a></td>
        <td class="nump">$ 648<span></span></td>
        <td class="nump">$ 759<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss ontingency, Term Of Commitment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The face amount of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p>
              </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_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate value of loans, trade receivables, securities and financial instruments that serve as collateral for obligations arising from a transfer of financial assets recorded as a secured borrowing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5086-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7523297&amp;loc=SL6224234-111729<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>instant</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingenciesLineItems</nobr></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 );">- Definition</a><div>
                <p>The estimated maximum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14557-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyRangeOfPossibleLossMaximum</nobr></td>
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                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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<DOCUMENT>
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<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ERBAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Investment securities available for sale:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost basis</a></td>
        <td class="nump">$ 145,265<span></span></td>
        <td class="nump">$ 176,173<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_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Gross unrealized gains</a></td>
        <td class="nump">6,393<span></span></td>
        <td class="nump">6,785<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross unrealized losses</a></td>
        <td class="num">(120)<span></span></td>
        <td class="num">(35)<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_AvailableForSaleSecurities', window );">Fair value</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="nump">182,923<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Investment securities held to maturity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Cost basis</a></td>
        <td class="nump">13,723<span></span></td>
        <td class="nump">12,280<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Gross unrealized gains</a></td>
        <td class="nump">598<span></span></td>
        <td class="nump">643<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Gross unrealized losses</a></td>
        <td class="num">(55)<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair value</a></td>
        <td class="nump">14,266<span></span></td>
        <td class="nump">12,914<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Investment securities available for sale:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost basis</a></td>
        <td class="nump">5,848<span></span></td>
        <td class="nump">10,689<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Gross unrealized gains</a></td>
        <td class="nump">70<span></span></td>
        <td class="nump">48<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross unrealized losses</a></td>
        <td class="num">(7)<span></span></td>
        <td class="num">(28)<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_AvailableForSaleSecurities', window );">Fair value</a></td>
        <td class="nump">5,911<span></span></td>
        <td class="nump">10,709<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Investment securities available for sale:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost basis</a></td>
        <td class="nump">131,425<span></span></td>
        <td class="nump">165,484<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Gross unrealized gains</a></td>
        <td class="nump">6,320<span></span></td>
        <td class="nump">6,737<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross unrealized losses</a></td>
        <td class="num">(10)<span></span></td>
        <td class="num">(7)<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_AvailableForSaleSecurities', window );">Fair value</a></td>
        <td class="nump">137,735<span></span></td>
        <td class="nump">172,214<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Investment securities held to maturity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Cost basis</a></td>
        <td class="nump">9,318<span></span></td>
        <td class="nump">9,280<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Gross unrealized gains</a></td>
        <td class="nump">578<span></span></td>
        <td class="nump">643<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Gross unrealized losses</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair value</a></td>
        <td class="nump">9,896<span></span></td>
        <td class="nump">9,923<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Investment securities available for sale:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Cost basis</a></td>
        <td class="nump">7,992<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Gross unrealized gains</a></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross unrealized losses</a></td>
        <td class="num">(103)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair value</a></td>
        <td class="nump">7,892<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Investment securities held to maturity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Cost basis</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,000<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_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Gross unrealized gains</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Gross unrealized losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair value</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,991<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Taxable Municipal [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Investment securities held to maturity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Cost basis</a></td>
        <td class="nump">410<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Gross unrealized gains</a></td>
        <td class="nump">6<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Gross unrealized losses</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair value</a></td>
        <td class="nump">416<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds And Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Investment securities held to maturity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Cost basis</a></td>
        <td class="nump">3,995<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Gross unrealized gains</a></td>
        <td class="nump">14<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Gross unrealized losses</a></td>
        <td class="num">(55)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair value</a></td>
        <td class="nump">$ 3,954<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_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> -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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15E<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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_AvailableforsaleSecuritiesGrossUnrealizedGain">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross unrealized gains for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13, 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_AvailableforsaleSecuritiesGrossUnrealizedGain</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross unrealized losses for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt securities which are categorized as held-to-maturity. The held-to-maturity category is for those securities that the entity has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section A<br><br> -Paragraph 5<br><br> -Chapter 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section A<br><br> -Paragraph 4<br><br> -Chapter 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <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_HeldToMaturitySecuritiesUnclassifiedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </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_HeldtomaturitySecuritiesUnrecognizedHoldingGain">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of fair value over carrying value (amortized cost) of a debt security categorized as held-to-maturity, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding gain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </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_HeldToMaturitySecuritiesUnrecognizedHoldingLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a debt security categorized as held-to-maturity, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </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>
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        </tr>
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<FILENAME>R47.htm
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EUJAC">
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          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>EMPLOYEE BENEFIT PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock', window );">Schedule of Pension Benefits</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CHANGE IN BENEFIT OBLIGATION:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit obligation at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>25,709</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,337</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,593</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,335</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,234</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,198</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Actuarial loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,882</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,385</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefits paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,574)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,546</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit obligation at end of year</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>29,844</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 25,709</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CHANGE IN PLAN ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value of plan assets at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>18,180</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17,749</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Actual return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,162</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (123</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Employer contributions</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,600</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefits paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,574)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,546</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value of plan assets at end of year</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>21,368</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,180</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Funded status of the plan&nbsp;-&nbsp;under funded</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8,476)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7,529</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock', window );">Schedule of Amounts Not Yet Recognized as Component of Net Periodic Pension Cost:</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amounts recognized in accumulated other comprehensive loss consists of:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Transition asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8</strong>)</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Prior service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(38)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(58</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net actuarial loss</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,315</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,033</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,269</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,950</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock', window );">Schedule of Accumulated Benefit Obligation</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ACCUMULATED BENEFIT OBLIGATION:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accumulated benefit obligation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,662</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock', window );">Schedule of Weighted-Average Assumptions Used to Determine Benefit Obligations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Discount rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.75</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Salary scale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.50</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Schedule of Components of Net Periodic Benefit Cost</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COMPONENTS OF NET PERIODIC BENEFIT COST:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,593</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,335</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,097</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,234</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,198</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,186</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,656)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,582</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,467</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amortization of prior year service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(19)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">7</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amortization of transition asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(17)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized net actuarial loss</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,094</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 800</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 706</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net periodic pension cost</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,229</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,741</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,520</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,376</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,090</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,895</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,094)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (800</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (705</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized prior service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(7</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized net initial asset</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total recognized in other comprehensive income (loss) before tax effect</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,318</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,300</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,192</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total recognized in net benefit cost and other comprehensive income (loss) before tax effect</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,547</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,041</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,712</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock', window );">Schedule of Weighted-Average Assumptions Used to Determine Net Periodic Benefit Cost</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Discount rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.75%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.75</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Rate of compensation increase</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.50</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock', window );">Schedule of Asset Allocations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ASSET CATEGORY:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Domestic equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">19</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Mutual funds/ETFs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>63</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">71</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> International equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>100%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 100</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock', window );">Schedule of Fair Value of Plan Assets</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Level 1:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Domestic equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,731</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,402</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> International equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>336</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Mutual funds/ETFs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,566</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,918</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Level 2:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,735</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,860</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total fair value of plan assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>21,368</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,180</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock', window );">Schedule of Estimated Future Benefit Payments</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ESTIMATED FUTURE BENEFIT PAYMENTS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,243</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,338</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,142</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,555</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Years 2018&nbsp;-&nbsp;2022</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,347</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
    </table>
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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>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the net periodic benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock</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>Schedule Of Fair Value Of Plan Assets [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CompensationAndRetirementDisclosureAbstract</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of benefit obligations including accumulated benefit obligation and projected benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans.  This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the amounts related to pension plans and/or other employee benefit plans in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost over the next fiscal year, including the net gain (loss), net prior service cost or credit, and net transition asset or obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of one or more of the entity's defined benefit pension plans or one or more other defined benefit postretirement plans, separately for pension plans and other postretirement benefit plans including the entity's schedule of fair value of plan assets for defined benefit or other postretirement plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 4, 7, 16, 20, 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2417-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21916443&amp;loc=d3e4179-114921<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2410-114920<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2439-114920<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 6, 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></p>
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                <p>Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter.</p>
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                <p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 1.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> BUSINESS AND NATURE OF OPERATIONS:</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.5 billion that are not recognized on the Company&#39;s Balance Sheet at December 31, 2012.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PRINCIPLES OF CONSOLIDATION:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#39;s most significant estimates are the allowance for loan losses, goodwill, income taxes and on investment securities.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INVESTMENT SECURITIES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Securities are classified at the time of purchase as investment securities held to maturity if it is management&#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#39;s performance, the creditworthiness of the issuer and the Company&#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> FEDERAL HOME LOAN BANK STOCK:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOANS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOAN FEES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOANS HELD FOR SALE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PREMISES AND EQUIPMENT:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 ($100,000 for loans classified as doubtful or worse) to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans is based on careful analysis of the loan&#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated 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. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> TRUST FEES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> BANK-OWNED LIFE INSURANCE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INTANGIBLE ASSETS:</h5> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Goodwill</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> EARNINGS PER COMMON SHARE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 49,842, 185,917, and 1,467,142 shares of common stock were outstanding during 2012, 2011 and 2010, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $2.80&nbsp;-&nbsp;$5.75, $2.07&nbsp;-&nbsp;$6.10, and $1.73&nbsp;-&nbsp;$6.10 during 2012, 2011 and 2010, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">Twelve months ended December 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(In thousands, except per share data)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Numerator:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Preferred stock dividends and accretion of preferred stock discount</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>828</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,385</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,161</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income available to common shareholders</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,211</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,152</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 121</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Denominator:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average common shares outstanding (basic)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,685</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,184</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,224</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Effect of stock options/warrants</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>62</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average common shares outstanding (diluted)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,747</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,205</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,226</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Earnings per common share:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Basic</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.21</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.24</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.01</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Diluted</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.21</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.24</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.01</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> STOCK-BASED COMPENSATION:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $38,000, $15,000 and $18,000 of pretax compensation expense for the year 2012, 2011 and 2010. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model with the following assumptions used for the grants: risk-free interest rates ranging from 1.66% to 3.83%; expected lives of 10 years; expected volatility ranging from 33.26% to 35.77% and expected dividend yields of 0%.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ACCUMULATED OTHER COMPREHENSIVE LOSS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth the components of accumulated other comprehensive loss, net of tax:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Pension obligation for defined benefit plan</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(9,520</strong>)</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (8,116</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Unrealized holding gains on available for sale securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,141</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,456</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total accumulated other comprehensive loss</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,379)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,660</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> CONSOLIDATED STATEMENT OF CASH FLOWS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $142,000 in income tax payments in 2012; $97,000 in 2011; and $174,000 in 2010. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $1,266,000 in 2012; $169,000 in 2011; and $788,000 in 2010. The Company made total interest payments of $8,154,000 in 2012; $10,699,000 in 2011; and $13,084,000 in 2010.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INCOME TAXES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INTEREST RATE CONTRACTS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company typically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> RECENT ACCOUNTING STANDARDS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In July, 2012, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2012-02, <em>Intangibles&nbsp;-&nbsp;Goodwill and Other (Topic 350)&nbsp;-&nbsp;Testing Indefinite-Lived Intangible Assets for Impairment</em>. ASU 2012-02 give entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If, under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012 (early adoption permitted). This ASU did not have a significant impact on the Company&#39;s financial statements.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In February 2013, the FASB issued ASU 2013-02, <em>Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income</em>. The amendments in this Update require an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. Early adoption is permitted. The Company is currently evaluating the impact that these disclosures will have on its financial statements.</p> <!--EndFragment--></div> </div><span></span></td>
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                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SignificantAccountingPoliciesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SignificantAccountingPoliciesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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          </td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
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<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1PAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected lives in years</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump">1.66%<span></span></td>
        <td class="nump">2.19%<span></span></td>
        <td class="nump">3.21%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump">33.26%<span></span></td>
        <td class="nump">35.03%<span></span></td>
        <td class="nump">34.60%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump">2.28%<span></span></td>
        <td class="nump">3.62%<span></span></td>
        <td class="nump">3.83%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump">35.77%<span></span></td>
        <td class="nump">35.25%<span></span></td>
        <td class="nump">35.74%<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph e(2)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.D.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6793087&amp;loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section D<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over 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 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph e(2)(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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The risk-free interest rate assumption that is used in valuing an option on its own 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> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iv)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph e(2)(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_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
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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_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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<TYPE>XML
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ENXAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesPledged', window );">Book value of securities, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings</a></td>
        <td class="nump">$ 94,206<span></span></td>
        <td class="nump">$ 83,235<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainOnSaleOfInvestments', window );">Investment security gains</a></td>
        <td class="nump">12<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">157<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossOnSaleOfInvestments', window );">Investment security losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">358<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_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax', window );">Realized gain (loss), net of tax</a></td>
        <td class="nump">8<span></span></td>
        <td class="nump">236<span></span></td>
        <td class="nump">104<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax', window );">Tax effect of realized gain (loss)</a></td>
        <td class="num">(4)<span></span></td>
        <td class="nump">122<span></span></td>
        <td class="num">(53)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump">$ 4,221<span></span></td>
        <td class="nump">$ 16,518<span></span></td>
        <td class="nump">$ 2,742<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for investment securities</a></td>
        <td class="text">1 year 8 months 23 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions', window );">Positions considered temporarily impaired</a></td>
        <td class="nump">13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Standard &amp; Poor's, AAA Rating [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated', window );">Portfolio rated</a></td>
        <td class="nump">92.20%<span></span></td>
        <td class="nump">98.40%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">4 years 3 months 15 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">2 years 9 months 22 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">3 years 1 month 6 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">4 years 10 months 17 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds And Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">3 years 11 months 1 day<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available For Sale Securities, Debt Maturities, Weighted Average Maturity Term.</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>asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held To Maturity Securities, Weighted Average Maturity Term.</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>asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investment Securities, Debt Maturities, Weighted Average Maturity Term.</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>asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of investment securities portfolio rated.</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>asrv_PercentageOfInvestmentSecuritiesPortfolioRated</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
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                    <td>na</td>
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                    <td>instant</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>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <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 difference between the carrying value and the sale price of an investment.  A gain would be recognized when the sale price of the investment is greater than the carrying value of the investment.  This element refers to the Gain included in earnings and not to the cash proceeds of the sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>credit</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure regarding factors used to determine that the impairment of securities categorized as held-to-maturity where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the held-to-maturity investments determined to be temporarily impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph b(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 FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph b(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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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 difference between the carrying value and the sale price of an investment.  A loss would be recognized when the sale price of the investment is less than the carrying value of the investment. This element refers to the Loss included in earnings and not to the cash proceeds of the sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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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>Net of tax amount of the income statement impact of the reclassification adjustment for unrealized gain (loss) realized upon the sale of 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 Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e689-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 18, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 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 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 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></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>Tax effect of the income statement impact of the reclassification adjustment for unrealized gain (loss) realized upon the sale of 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 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e689-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e640-108580<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the date of the latest financial statement presented of securities which are owned but transferred to another party to serve as collateral to partially or fully secure a debt obligation, repurchase agreement or other current or potential obligation, and for which the transferee is not permitted to sell or re-pledge them to an unrelated party.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (b)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7523297&amp;loc=SL6224234-111729<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B6<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<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></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph 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>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock', window );">Schedule of Federal Home Loan Bank (FHLB) Borrowings and Advances</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Overnight</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.25%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.52</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.74</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.92</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,000</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total advances</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.73</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,000</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total FHLB borrowings</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.47%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>28,660</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Overnight</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2012</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.30</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total advances</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.30</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total FHLB borrowings</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.60</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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                <p>Tabular disclosure of advances by federal home loan bank by branch.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13,16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -Chapter 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 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 13, 16<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>DERIVATIVE HEDGING INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">DERIVATIVE HEDGING INSTRUMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 21. DERIVATIVE HEDGING INSTRUMENTS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> To accommodate a customer need and support the Company&#39;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involves the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agrees to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agrees to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allows the Company&#39;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and do not significantly impact the Company&#39;s results of operations.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table summarizes the interest rate swap transactions that impacted the Company&#39;s 2012 performance:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> START DATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MATURITY DATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">HEDGE<br /> TYPE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NOTIONAL AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE RECEIVED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE<br /> PAID</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REPRICING FREQUENCY</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INCREASE (DECREASE) IN INTEREST EXPENSE</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 12/12/08</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 09/24/13</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom">FAIR VALUE</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,000,000</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.73</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> MONTHLY</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>227,088</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 12/12/08</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 09/24/13</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> FAIR VALUE</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,000,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.73</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> MONTHLY</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(227,088)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the entity's entire derivative instruments and hedging activities.  Describes an entity's risk management strategies, derivatives in hedging activities and non-hedging derivative instruments, the assets, obligations, liabilities, revenues and expenses arising therefrom, and the amounts of and methodologies and assumptions used in determining the amounts of such items.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624177-113959<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624258-113959<br><br><br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4J<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708773-113959<br><br><br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br>Reference 20: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 45<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 21: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><br><br><br>Reference 22: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668309&amp;loc=d3e80748-113994<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>INTANGIBLE ASSETS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>INTANGIBLE ASSETS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">INTANGIBLE ASSETS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 20. INTANGIBLE ASSETS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&#39;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> A reconciliation of the Company&#39;s intangible goodwill balances for 2012 and 2011 is as follows (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance January 1</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,613</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,950</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Reduction from purchase price adjustment of WCCA</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 337</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance December 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,613</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,613</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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                    <td><nobr>us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</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 entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7658586&amp;loc=d3e16373-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7658586&amp;loc=d3e16265-109275<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 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7658586&amp;loc=d3e16323-109275<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 42, 43, 44, 45, 46, 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13854-109267<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ENXAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>CHANGE IN BENEFIT OBLIGATION:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
        <td class="nump">$ 25,709<span></span></td>
        <td class="nump">$ 23,337<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">1,593<span></span></td>
        <td class="nump">1,335<span></span></td>
        <td class="nump">1,097<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">1,234<span></span></td>
        <td class="nump">1,198<span></span></td>
        <td class="nump">1,186<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial loss</a></td>
        <td class="nump">2,882<span></span></td>
        <td class="nump">1,385<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num">(1,574)<span></span></td>
        <td class="num">(1,546)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of year</a></td>
        <td class="nump">29,844<span></span></td>
        <td class="nump">25,709<span></span></td>
        <td class="nump">23,337<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward', window );"><strong>CHANGE IN PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at beginning of year</a></td>
        <td class="nump">18,180<span></span></td>
        <td class="nump">17,749<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets', window );">Actual return on plan assets</a></td>
        <td class="nump">2,162<span></span></td>
        <td class="num">(123)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Employer contributions</a></td>
        <td class="nump">2,600<span></span></td>
        <td class="nump">2,100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num">(1,574)<span></span></td>
        <td class="num">(1,546)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of year</a></td>
        <td class="nump">21,368<span></span></td>
        <td class="nump">18,180<span></span></td>
        <td class="nump">17,749<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_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status of the plan-under funded</a></td>
        <td class="num">$ (8,476)<span></span></td>
        <td class="num">$ (7,529)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The difference between fair value of plan assets at the end of the period and the fair value at the beginning of the period, adjusted for contributions and payments of benefits during the period, and after adjusting for taxes and other expenses, as applicable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504226<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 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph d(iv)(b)(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Postretirement Benefit Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504192<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph 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_DefinedBenefitPlanActualReturnOnPlanAssets</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gain (loss) from a decision to temporarily deviate from the substantive plan, or from a change in benefit obligation or plan asset value from changes in actuarial assumptions, for example, but not limited to, interest, mortality, employee turnover or salary scale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6514294<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6749293<br><br><br><br></p>
              </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>1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date.  2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Postretirement Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503904<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 6<br><br> -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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph E1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Projected Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522206<br><br><br><br></p>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitsPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Postretirement Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6521376<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506267<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 715<br><br> -SubTopic 60<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39716-114964<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506309<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanBenefitsPaid</nobr></td>
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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>
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                  <tr>
                    <td><strong> Period Type:</strong></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 );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward</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 );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward</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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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanContributionsByEmployer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in the fair value of plan assets from contributions made by the employer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph 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 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanContributionsByEmployer</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 class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6867990&amp;loc=d3e12355-114930<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph d(iv)(b)(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFundedStatusOfPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>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 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInterestCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanServiceCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
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        </tr>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock', window );">Schedule of Quarterly Financial Data</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">2012 QUARTER ENDED</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DEC. 31</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SEPT. 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">JUNE 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MARCH 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,878</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,030</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,885</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,124</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,796</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,888</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,964</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,066</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,082</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,142</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,921</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,058</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>550</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(200)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(500)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(625)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income after provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,532</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,342</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,421</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,683</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,887</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,649</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,733</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,674</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,373</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,087</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,067</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,114</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,046</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,904</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,087</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,243</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>311</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>597</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>655</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>678</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>735</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,307</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,432</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,565</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Basic earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.04</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.05</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Diluted earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.04</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.05</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.06</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash dividends declared per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">2011 QUARTER ENDED</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DEC. 31</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SEPT. 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">JUNE 30</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">MARCH 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,492</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,530</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,596</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,233</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,374</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,444</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,630</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,113</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,118</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,086</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,966</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,250</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (550</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,175</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (600</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income after provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,363</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,668</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,261</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,566</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,486</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,524</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,454</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,105</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,359</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,882</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,877</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,919</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,490</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,310</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,838</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,752</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 720</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 744</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 900</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 489</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,770</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,566</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,938</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,263</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Basic earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.07</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.08</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Diluted earnings per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.07</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.08</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.05</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash dividends declared per common share</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 270<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)-(j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225539&amp;loc=d3e1280-108306<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Schedule of Assets and Liability Measured on a Recurring Basis</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Schedule of Assets Measured on a Non-Recurring Basis</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,902</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,902</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock', window );">Quantitative Information About Level 3 Fair Value Measurements</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> December 31, 2012</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Fair Value Estimate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Valuation<br /> Techniques</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Unobservable<br /> Input</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Range</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal of collateral</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(1)</sup><!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal adjustments</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -35</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"> Liquidation expenses</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -20</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(1)</td> <td style="TEXT-ALIGN: left">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(2)</td> <td style="TEXT-ALIGN: left">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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                <p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p>
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                <p>Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SEGMENT RESULTS<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">SEGMENT RESULTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 22. SEGMENT RESULTS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&#39;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The contribution of the major business segments to the Consolidated Results of Operations were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="612"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,585</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,499</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,916)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>32,203</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(160)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(615)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(775)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,565</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>585</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,78</strong>4</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,943</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22,802</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,970</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,387</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,482</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>40,641</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,508</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,729</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,432</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,389)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,280</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,358</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,044</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>487</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,648)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,150</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,685</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>945</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(3,741)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>336,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>497,331</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,429</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>162,990</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000,991</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 20,100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,860</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">41</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,718</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,283</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (263</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,312</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,575</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,055</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">597</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (365</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,569</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,470</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,833</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,118</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,616</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 40,037</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,948</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,936</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,699</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,390</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 880</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,995</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 410</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,432</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,068</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,941</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 795</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,267</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 337,869</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 442,087</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,917</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 195,203</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 979,076</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,940</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,252</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">60</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,090</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,342</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">268</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,982</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,250</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,875</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,286</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">143</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,967</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,906</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,463</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,013</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,315</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 39,697</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,641</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">470</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">333</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,082</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,362</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 379</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (27</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (383</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,262</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 497</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 222</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (699</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 317,210</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 455,609</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,520</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,635</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 948,974</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 35<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 42<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 131<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 40<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 41<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>REGULATORY CAPITAL<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryCapitalAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">REGULATORY CAPITAL</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 23. REGULATORY CAPITAL</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#39;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&#39;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. 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 the Company&#39;s financial statements.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2012 and 2011, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&#39;s tangible common equity ratio was 7.78% and 8.15% for 2012 and 2011, respectively.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AS OF DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">ACTUAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>122,583</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15.92%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,588</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>76,985</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>101,786</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13.34</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,060</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>76,325</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>112,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14.67</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,794</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>46,191</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>92,200</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12.08</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,530</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>45,795</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Average Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>112,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>39,474</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>49,343</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>92,200</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9.55</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>38,616</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>48,269</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AS OF DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">ACTUAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATIO</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 120,315</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17.60</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 54,702</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 68,377</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 101,406</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14.96</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 54,231</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 67,789</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Risk Weighted Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 16.33</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 27,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 41,026</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 92,847</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13.70</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 27,116</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 40,673</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tier 1 Capital (To Average Assets)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Consolidated</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 11.66</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 38,317</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 47,896</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> AmeriServ Financial Bank</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 92,847</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9.90</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 37,498</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 46,872</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RegulatoryCapitalAbstract</nobr></td>
                  </tr>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958572-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958573-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15, 16, 17<br><br> -IssueDate 2006-05-01<br><br> -Chapter 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958574-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<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 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958569-112826<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1F<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958575-112826<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958577-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ESDAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
        <td class="nump">$ 1,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherDepreciationAndAmortization', window );">Depreciation and amortization expense</a></td>
        <td class="nump">1,523<span></span></td>
        <td class="nump">1,477<span></span></td>
        <td class="nump">1,496<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of investment securities</a></td>
        <td class="nump">1,124<span></span></td>
        <td class="nump">736<span></span></td>
        <td class="nump">467<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Net realized losses (gains) on investment securities - available for sale</a></td>
        <td class="num">(12)<span></span></td>
        <td class="nump">358<span></span></td>
        <td class="num">(157)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Net gains on loans held for sale</a></td>
        <td class="num">(1,132)<span></span></td>
        <td class="num">(812)<span></span></td>
        <td class="num">(958)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Amortization of deferred loan fees</a></td>
        <td class="num">(240)<span></span></td>
        <td class="num">(231)<span></span></td>
        <td class="num">(407)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale', window );">Origination of mortgage loans held for sale</a></td>
        <td class="num">(76,688)<span></span></td>
        <td class="num">(58,640)<span></span></td>
        <td class="num">(71,643)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale', window );">Sales of mortgage loans held for sale</a></td>
        <td class="nump">74,354<span></span></td>
        <td class="nump">59,747<span></span></td>
        <td class="nump">68,986<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Decrease (increase) in accrued interest receivable</a></td>
        <td class="nump">256<span></span></td>
        <td class="num">(6)<span></span></td>
        <td class="nump">379<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">Decrease in accrued interest payable</a></td>
        <td class="num">(440)<span></span></td>
        <td class="num">(1,018)<span></span></td>
        <td class="num">(595)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_EarningOnBankOwnedLifeInsurance', window );">Earnings on bank owned life insurance</a></td>
        <td class="num">(863)<span></span></td>
        <td class="num">(885)<span></span></td>
        <td class="num">(1,032)<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Deferred income taxes</a></td>
        <td class="nump">2,101<span></span></td>
        <td class="nump">2,758<span></span></td>
        <td class="num">(126)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock compensation expense</a></td>
        <td class="nump">41<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">61<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidExpense', window );">Decrease in prepaid Federal Deposit Insurance</a></td>
        <td class="nump">370<span></span></td>
        <td class="nump">1,259<span></span></td>
        <td class="nump">1,465<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet', window );">Other, net</a></td>
        <td class="num">(1,446)<span></span></td>
        <td class="nump">3,074<span></span></td>
        <td class="num">(1,738)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities</a></td>
        <td class="nump">3,212<span></span></td>
        <td class="nump">10,794<span></span></td>
        <td class="nump">2,730<span></span></td>
      </tr>
      <tr class="ro">
        <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>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchase of investment securities - available for sale</a></td>
        <td class="num">(34,199)<span></span></td>
        <td class="num">(85,352)<span></span></td>
        <td class="num">(97,789)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Purchase of investment securities - held to maturity</a></td>
        <td class="num">(4,987)<span></span></td>
        <td class="num">(6,576)<span></span></td>
        <td class="num">(1,123)<span></span></td>
      </tr>
      <tr class="re">
        <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 maturities of investment securities - available for sale</a></td>
        <td class="nump">59,800<span></span></td>
        <td class="nump">53,243<span></span></td>
        <td class="nump">61,483<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities', window );">Proceeds from maturities of investment securities - held to maturity</a></td>
        <td class="nump">3,518<span></span></td>
        <td class="nump">2,125<span></span></td>
        <td class="nump">4,914<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump">4,221<span></span></td>
        <td class="nump">16,518<span></span></td>
        <td class="nump">2,742<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock', window );">Proceeds from redemption of regulatory stock</a></td>
        <td class="nump">1,712<span></span></td>
        <td class="nump">1,342<span></span></td>
        <td class="nump">381<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1', window );">Long-term loans originated</a></td>
        <td class="num">(232,685)<span></span></td>
        <td class="num">(147,864)<span></span></td>
        <td class="num">(82,922)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment', window );">Principal collected on long-term loans</a></td>
        <td class="nump">182,245<span></span></td>
        <td class="nump">161,356<span></span></td>
        <td class="nump">129,655<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment', window );">Loans purchased or participated</a></td>
        <td class="num">(17,492)<span></span></td>
        <td class="num">(8,500)<span></span></td>
        <td class="num">(3,845)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment', window );">Loans sold or participated</a></td>
        <td class="nump">8,500<span></span></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherLoans', window );">Net increase in other short-term loans</a></td>
        <td class="num">(300)<span></span></td>
        <td class="num">(443)<span></span></td>
        <td class="num">(134)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment', window );">Purchases of premises and equipment</a></td>
        <td class="num">(2,647)<span></span></td>
        <td class="num">(1,666)<span></span></td>
        <td class="num">(2,762)<span></span></td>
      </tr>
      <tr class="re">
        <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 other real estate owned</a></td>
        <td class="nump">160<span></span></td>
        <td class="nump">743<span></span></td>
        <td class="nump">1,300<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLifeInsurancePolicies', window );">Proceeds from insurance policies</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">451<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash (used in) provided by investing activities</a></td>
        <td class="num">(32,154)<span></span></td>
        <td class="num">(14,074)<span></span></td>
        <td class="nump">12,351<span></span></td>
      </tr>
      <tr class="ro">
        <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>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in deposit balances</a></td>
        <td class="nump">19,329<span></span></td>
        <td class="nump">13,722<span></span></td>
        <td class="nump">16,277<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfOtherShortTermDebt', window );">Net (decrease) increase in other short-term borrowings</a></td>
        <td class="num">(105)<span></span></td>
        <td class="nump">11,215<span></span></td>
        <td class="num">(21,225)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings', window );">Principal borrowings on advances from Federal Home Loan Bank</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">34,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Principal repayments on advances from Federal Home Loan Bank</a></td>
        <td class="num">(14,000)<span></span></td>
        <td class="num">(5,750)<span></span></td>
        <td class="num">(50,054)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
        <td class="num">(1,050)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">Warrant repurchase</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(825)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of treasury stock</a></td>
        <td class="num">(4,417)<span></span></td>
        <td class="num">(582)<span></span></td>
        <td class="text">&nbsp;&nbsp;<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">20,979<span></span></td>
        <td class="nump">18,726<span></span></td>
        <td class="num">(22,052)<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_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="num">(7,963)<span></span></td>
        <td class="nump">15,446<span></span></td>
        <td class="num">(6,971)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">34,783<span></span></td>
        <td class="nump">19,337<span></span></td>
        <td class="nump">26,308<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">$ 26,820<span></span></td>
        <td class="nump">$ 34,783<span></span></td>
        <td class="nump">$ 19,337<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_EarningOnBankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earning on bank- owned life insurance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_EarningOnBankOwnedLifeInsurance</nobr></td>
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                  <tr>
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                    <td>asrv_</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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_AccretionAmortizationOfDiscountsAndPremiumsInvestments</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>credit</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_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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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962437&amp;loc=d3e7402-111529<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16382787&amp;loc=d3e8622-111531<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 30<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378273&amp;loc=d3e8446-111530<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Direct Loan Origination Costs<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510860<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 91<br><br> -Paragraph 5, 6, 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</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>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_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 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 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<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 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 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 02<br><br> -Paragraph 1<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_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds 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 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_GainLossOnSaleOfInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. 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 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, 31<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </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_IncreaseDecreaseInInterestPayableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to 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 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_IncreaseDecreaseInInterestPayableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_IncreaseDecreaseInOtherLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 loans that are classified as working capital and are 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 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_IncreaseDecreaseInOtherLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_IncreaseDecreaseInOtherOperatingCapitalNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities less other operating liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets and liabilities, other noncurrent assets and liabilities, or a combination of other current and noncurrent assets and liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_IncreaseDecreaseInPrepaidExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 of outstanding money paid in advance for goods or services that bring economic benefits for future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 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_IncreaseDecreaseInPrepaidExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_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>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
                  </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>
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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_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_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>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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_OtherDepreciationAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The other noncash expense, not otherwise specified in the taxonomy, charged against earnings in the period to allocate the cost of tangible and intangible assets over their remaining economic lives.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_OtherDepreciationAndAmortization</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for the origination of mortgages that are held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>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 27<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </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_PaymentsForProceedsFromFederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 of federal home loan bank stock during the period. Federal Home Loan Bank (or Federal Reserve Bank) stock is an equity interest in a Federal Home Loan Bank (or Federal Reserve Bank).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate 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 FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 outflow in the form of ordinary dividends to preferred shareholders, generally out of earnings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -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 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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_PaymentsOfDividendsPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 securities classified as available-for-sale securities, because they are not classified as either held-to-maturity securities or trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 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 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsToAcquireHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cash outflow from purchases of held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 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 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 purchasing loans held for investment purposes 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 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 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 (a)<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 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireLoansHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PaymentsToAcquireOtherPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for acquisition of or capital improvements of property, plant and equipment, used to produce goods or deliver services, and 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 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_PaymentsToAcquireOtherPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 made from Federal Home Loan Bank.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_ProceedsFromFederalHomeLoanBankBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromLifeInsurancePolicies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 for proceeds from life insurance policies for which the entity is the beneficiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromLifeInsurancePolicies</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 inflow related to a loan origination (the process when securing a mortgage for a piece of real property), lease origination, and principal collections.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 repayments of the balance excluding interest (principal) on loans receivable and leases 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 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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 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_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_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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                  <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_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 of securities for which the entity has both the ability and intent to hold the instrument until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph 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_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </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_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><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_ProceedsFromSaleOfLoansHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 Sales of Loans Held For Investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProceedsFromSaleOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 sales of loans that are secured with real estate mortgages and are held with the intention to resell 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 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_ProceedsFromSaleOfMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </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_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Provision charged for the period based on estimated losses to be realized from loan and lease 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 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 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>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<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_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_RepaymentsOfFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for the payment of loan drawn from Federal Home 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 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow attributable to repayments of borrowings not otherwise defined in the taxonomy (having initial terms of repayment within one year or the normal operating cycle, if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">PARENT COMPANY FINANCIAL INFORMATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 24. PARENT COMPANY FINANCIAL INFORMATION</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> BALANCE SHEETS</h5> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ASSETS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>100</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term investments in money market funds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,430</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,534</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 11,269</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity investment in banking subsidiary</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>99,121</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 103,010</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity investment in non-banking subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,017</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,888</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Guaranteed junior subordinated deferrable interest debenture issuance costs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>240</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">256</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other assets</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,713</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,604</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL ASSETS</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>123,810</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 126,557</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> LIABILITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Guaranteed junior subordinated deferrable interest debentures</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,085</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other liabilities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>257</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,120</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL LIABILITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,342</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,205</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> STOCKHOLDERS&#39; EQUITY<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total stockholders&#39; equity</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>110,468</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 112,352</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL LIABILITIES AND STOCKHOLDERS&#39; EQUITY</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>123,810</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 126,557</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> STATEMENTS OF OPERATIONS</h5> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INCOME<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Inter-entity management and other fees</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,355</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,329</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,362</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Dividends from banking subsidiary</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,500</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Dividends from non-banking subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>710</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">620</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest and dividend income</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>306</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 415</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 499</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL INCOME</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,371</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,864</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,066</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> EXPENSE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest expense</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,121</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,121</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,121</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Salaries and employee benefits</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,368</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,394</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,333</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,582</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,477</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,529</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> TOTAL EXPENSE</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,071</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,992</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,983</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,300</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">872</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,917</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit for income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>819</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">764</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">722</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity in undistributed earnings of subsidiaries</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,080)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,901</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,477</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET INCOME</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COMPREHENSIVE INCOME</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,320</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,739</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 793</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> STATEMENTS OF CASH FLOWS</h5> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> OPERATING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Adjustment to reconcile net income to net cash provided by (used in) operating activities:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Equity in undistributed earnings of subsidiaries</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,080</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,901</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,477</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Stock compensation expense</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>38</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">61</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other&nbsp;-&nbsp;net</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(989)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (285</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (107</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,168</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,366</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,241</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> INVESTING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Purchase of investment securities&nbsp;-&nbsp;available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,077)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,049</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,044</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Proceeds from maturity of investment securities&nbsp;-&nbsp;available for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,809</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,942</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,050</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Capital contribution to banking subsidiary</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH PROVIDED BY INVESTING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>732</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,893</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,006</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCING ACTIVITIES<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Purchase of treasury stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(4,417)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (582</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Warrant repurchase</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (825</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Preferred stock dividends paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(828)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,054</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,050</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET CASH USED IN FINANCING ACTIVITIES</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,245)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,461</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,050</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,655</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,798</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (285</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CASH AND CASH EQUIVALENTS AT JANUARY 1</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,530</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,732</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,017</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CASH AND CASH EQUIVALENTS AT DECEMBER 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,185</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,530</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,732</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&#39;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&#39;s retained net income for the current and preceding two calendar years. At December 31, 2012, our subsidiary Bank had $5.1 million of cash available for immediate dividends to the holding company under the applicable regulatory formulas. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $107,300,000 of restricted surplus and retained earnings at December 31, 2012.</p> <!--EndFragment--></div> </div><span></span></td>
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                <table border="0" cellpadding="0" cellspacing="0">
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                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" 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 c<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<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 06<br><br> -Article 9<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 05<br><br> -Paragraph c<br><br> -Article 7<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 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=d3e5283-111683<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24072-122690<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 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EMOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Interest Expense on Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand', window );">Interest bearing demand</a></td>
        <td class="nump">$ 116<span></span></td>
        <td class="nump">$ 153<span></span></td>
        <td class="nump">$ 176<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_InterestExpenseDomesticDepositLiabilitiesSavings', window );">Savings</a></td>
        <td class="nump">181<span></span></td>
        <td class="nump">256<span></span></td>
        <td class="nump">397<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_InterestExpenseDomesticDepositLiabilitiesMoneyMarket', window );">Money market</a></td>
        <td class="nump">895<span></span></td>
        <td class="nump">1,063<span></span></td>
        <td class="nump">1,622<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_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump">435<span></span></td>
        <td class="nump">637<span></span></td>
        <td class="nump">834<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit', window );">Other time</a></td>
        <td class="nump">4,875<span></span></td>
        <td class="nump">6,226<span></span></td>
        <td class="nump">7,916<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Total interest expense</a></td>
        <td class="nump">$ 6,502<span></span></td>
        <td class="nump">$ 8,335<span></span></td>
        <td class="nump">$ 10,945<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest Expense, Domestic Deposit Liabilities, Time Deposits $100,000 Or More.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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          <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_DepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</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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      <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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand">
        <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>Amount of interest expense on domestic demand deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic money market demand account deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <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 expense on domestic time deposit liabilities other than certificates of liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic savings deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</nobr></td>
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<DOCUMENT>
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<SEQUENCE>67
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6PAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Narrative) (Details) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump">$ 38<span></span></td>
        <td class="nump">$ 15<span></span></td>
        <td class="nump">$ 18<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Common stock reserved for issuances</a></td>
        <td class="nump">800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent', window );">Option price as a percentage of fair market value per share of common stock on the Grant Date</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Maximum contractual term</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
        <td class="text">3 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number of options outstanding</a></td>
        <td class="nump">398,371<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Range One [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number of options outstanding and exercisable</a></td>
        <td class="nump">167,624<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump">$ 1.53<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump">$ 5.75<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_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1', window );">Weighted average exercise price of options outstanding and exercisable</a></td>
        <td class="nump">$ 2.29<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_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding and exercisable</a></td>
        <td class="text">6 years 4 months 2 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Range Two [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number of options outstanding</a></td>
        <td class="nump">230,747<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump">$ 1.53<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump">$ 2.8<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1', window );">Weighted average exercise price of options outstanding</a></td>
        <td class="nump">$ 2.5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding</a></td>
        <td class="text">8 years 9 months 26 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</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>asrv_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6793087&amp;loc=d3e301413-122809<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllocatedShareBasedCompensationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Purchase price of common stock expressed as a percentage of its fair market value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>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_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average exercise price as of the balance sheet date for those equity-based payment arrangements exercisable and outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1</nobr></td>
                  </tr>
                  <tr>
                    <td 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_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of exercisable stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The floor of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit</nobr></td>
                  </tr>
                  <tr>
                    <td 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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding exercisable stock options as of the balance sheet date in the customized range of exercise prices for which the market and performance vesting condition has been satisfied.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions</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:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
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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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding stock options as of the balance sheet date for all option plans in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a, 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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions</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:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of outstanding stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The ceiling of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit</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>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</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="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>PREMISES AND EQUIPMENT [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of Premises and Equipment</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Land</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,208</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,208</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Premises</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>24,430</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,534</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Furniture and equipment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,572</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,941</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Leasehold improvements</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>690</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 516</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total at cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>33,900</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,199</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Less: Accumulated depreciation and amortization</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22,102</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,525</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net book value</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,798</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,674</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>Tabular disclosure of the useful life and salvage value of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <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 13<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>SEGMENT RESULTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>SEGMENT RESULTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="612"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,585</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,499</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,916)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>32,203</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(160)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(615)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(775)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,565</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>585</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,78</strong>4</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,943</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22,802</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8,970</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,387</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,482</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>40,641</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,508</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,729</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,432</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,389)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,280</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,358</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,044</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>487</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,648)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,150</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,685</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>945</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(3,741)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>336,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>497,331</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,429</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>162,990</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000,991</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 20,100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,860</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">41</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,718</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,283</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (263</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,312</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,575</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,055</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">597</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (365</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,569</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,470</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,833</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,118</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,616</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 40,037</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,948</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,936</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (4,699</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,390</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 880</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,995</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 410</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,432</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,068</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,941</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 795</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,267</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 337,869</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 442,087</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,917</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 195,203</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 979,076</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">YEAR ENDED DECEMBER 31, 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RETAIL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL BANKING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TRUST</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">INVESTMENT/ PARENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,940</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,252</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">60</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,090</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,342</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision for loan loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">268</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,982</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,250</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,875</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,286</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">143</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,967</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-interest expense</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,906</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,463</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,013</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,315</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 39,697</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income (loss) before income taxes</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,641</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">470</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">333</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,082</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,362</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense (benefit)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 379</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (27</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 111</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (383</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income (loss)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,262</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 497</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 222</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (699</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 317,210</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 455,609</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,520</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,635</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 948,974</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></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>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 22<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8736-108599<br><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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8813-108599<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 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<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 131<br><br> -Paragraph 27, 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<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 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8721-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock</nobr></td>
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                    <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_SegmentReportingAbstract">
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          <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_SegmentReportingAbstract</nobr></td>
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<DOCUMENT>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAQAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">$ 250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable', window );">Threshold for discontinuing accrual of interest income</a></td>
        <td class="text">90 days<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">1,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">250<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">100<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">100<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">$ 250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed', window );">Minimum percent of portfolio to be reviewed</a></td>
        <td class="nump">55.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor', window );">Number of consecutive historical quarters for calculation of charge-off factor</a></td>
        <td class="nump">12<span></span></td>
      </tr>
    </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Minimum Percent Required To Be Reviewed.</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>asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed</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>Financing Receivable, Threshold Balance Which Requires Quarterly Reviews.</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>asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of consecutive historical quarters for calculation of charge-off factor.</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>asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor</nobr></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>Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EOABG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump">$ 17,808<span></span></td>
        <td class="nump">$ 26,938<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits</a></td>
        <td class="nump">1,730<span></span></td>
        <td class="nump">1,716<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">7,282<span></span></td>
        <td class="nump">6,129<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_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="nump">182,923<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Held to maturity (fair value $14,266 at December 31, 2012 and $12,914 at December 31, 2011)</a></td>
        <td class="nump">13,723<span></span></td>
        <td class="nump">12,280<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleMortgages', window );">Loans held for sale</a></td>
        <td class="nump">10,576<span></span></td>
        <td class="nump">7,110<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans</a></td>
        <td class="nump">721,802<span></span></td>
        <td class="nump">664,189<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Less: Unearned income</a></td>
        <td class="nump">637<span></span></td>
        <td class="nump">452<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">12,571<span></span></td>
        <td class="nump">14,623<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_LoansAndLeasesReceivableNetReportedAmount', window );">Net loans</a></td>
        <td class="nump">708,594<span></span></td>
        <td class="nump">649,114<span></span></td>
      </tr>
      <tr class="ro">
        <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">11,798<span></span></td>
        <td class="nump">10,674<span></span></td>
      </tr>
      <tr class="re">
        <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 income receivable</a></td>
        <td class="nump">2,960<span></span></td>
        <td class="nump">3,216<span></span></td>
      </tr>
      <tr class="ro">
        <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">12,613<span></span></td>
        <td class="nump">12,613<span></span></td>
      </tr>
      <tr class="re">
        <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">36,214<span></span></td>
        <td class="nump">35,351<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump">11,467<span></span></td>
        <td class="nump">12,681<span></span></td>
      </tr>
      <tr class="re">
        <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</a></td>
        <td class="nump">4,179<span></span></td>
        <td class="nump">5,891<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalReserveBankStock', window );">Federal Reserve Bank stock</a></td>
        <td class="nump">2,125<span></span></td>
        <td class="nump">2,125<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseCurrentAndNoncurrent', window );">Prepaid federal deposit insurance</a></td>
        <td class="nump">1,444<span></span></td>
        <td class="nump">1,814<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_OtherAssets', window );">Other assets</a></td>
        <td class="nump">6,940<span></span></td>
        <td class="nump">8,501<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Non-interest bearing deposits</a></td>
        <td class="nump">156,223<span></span></td>
        <td class="nump">141,982<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Interest bearing deposits</a></td>
        <td class="nump">679,511<span></span></td>
        <td class="nump">674,438<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">835,734<span></span></td>
        <td class="nump">816,420<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump">15,660<span></span></td>
        <td class="nump">15,765<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump">13,000<span></span></td>
        <td class="nump">6,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<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_BorrowedFunds', window );">Total borrowed funds</a></td>
        <td class="nump">41,745<span></span></td>
        <td class="nump">34,850<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">13,044<span></span></td>
        <td class="nump">15,454<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">890,523<span></span></td>
        <td class="nump">866,724<span></span></td>
      </tr>
      <tr class="ro">
        <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>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2012 and 2011</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">21,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,398,540 shares issued and 19,164,721 shares outstanding on December 31, 2012; 26,397,040 shares issued and 20,921,021 shares outstanding on December 31, 2011</a></td>
        <td class="nump">264<span></span></td>
        <td class="nump">264<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock at cost, 7,233,819 shares on December 31, 2012 and 5,476,019 shares on December 31, 2011</a></td>
        <td class="num">(73,658)<span></span></td>
        <td class="num">(69,241)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Capital surplus</a></td>
        <td class="nump">145,102<span></span></td>
        <td class="nump">145,061<span></span></td>
      </tr>
      <tr class="re">
        <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">23,139<span></span></td>
        <td class="nump">18,928<span></span></td>
      </tr>
      <tr class="ro">
        <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, net</a></td>
        <td class="num">(5,379)<span></span></td>
        <td class="num">(3,660)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">TOTAL STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">110,468<span></span></td>
        <td class="nump">112,352<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">$ 1,000,991<span></span></td>
        <td class="nump">$ 979,076<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_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_AdditionalPaidInCapitalCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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_AdditionalPaidInCapitalCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_BorrowedFunds">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, collateralized financings, and capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BorrowedFunds</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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><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 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<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 Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 7, 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 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> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<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 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<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 95<br><br><br><br> -Paragraph 7<br><br><br><br> -Footnote 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 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 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>Reference 9: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 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 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Paragraph 1, 2, 3, 7, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 6<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> -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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
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                  <tr>
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                    <td>us-gaap_</td>
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                  <tr>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <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>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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_CommonStockValue</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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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(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 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<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_DeferredTaxAssetsLiabilitiesNet</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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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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 15, 18<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 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 37<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph f<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<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 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name 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 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 47<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesLongTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 borrowings due within one year of the latest 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 FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 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 37<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph f<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><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 47<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 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 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br><br><br><br><br>Reference 8: 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 15, 18<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_FederalHomeLoanBankAdvancesShortTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FederalReserveBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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 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_FederalReserveBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_InterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 domestic and foreign interest-bearing deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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 4, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 6<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<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 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<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_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </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>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for 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 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 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br>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(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 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 8<br><br><br><br> -Subparagraph a(ii)<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 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 114<br><br><br><br> -Paragraph 20<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </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_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for 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 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 a(i-v)<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 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 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 f<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 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 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph e<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 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 13<br><br><br><br> -Paragraph 23<br><br><br><br> -Subparagraph a(i)(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 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 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -Subparagraph (a)(4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952072&amp;loc=d3e45377-112738<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 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_LoansAndLeasesReceivableDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <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_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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_LoansHeldForSaleMortgages">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 mortgage loans to individuals not classified as held for investment but are held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490309&amp;loc=d3e48678-111004<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 Permanent Investor<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520390<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 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 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 1, 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -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 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleMortgages</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_MarketableSecuritiesAbstract</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>
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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_NoninterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>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 17<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 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 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 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(g))<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 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 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 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 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 03<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph g<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<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 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.5)<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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<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 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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.</p>
              </div><a href="javascript:void(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)<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 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 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 210.7-03.10)<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PrepaidExpenseCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_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_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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<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 FASB Technical Bulletin (FTB)<br><br><br><br> -Number 85-6<br><br><br><br> -Paragraph 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Schedule of Financial Instruments</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Carrying Value</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Fair Value</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 3)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,321</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,94</strong>5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Regulatory stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans held for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,576</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,722</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,722</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of allowance for loan loss and unearned income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>708,594</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,756</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,756</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued income receivable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Bank owned life insurance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with no stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>315,732</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>320,930</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>320,930</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> All other borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,442</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,442</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued interest payable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CARRYING VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34,783</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34,783</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,914</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,280</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Regulatory stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans held for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,195</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,110</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of allowance for loan loss and unearned income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 655,357</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 649,114</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued income receivable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,216</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,216</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Bank owned life insurance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 35,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 35,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with no stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 482,859</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 482,859</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 338,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 333,561</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> All other borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,606</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,085</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued interest payable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,523</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,523</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 14<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 159<br><br> -Paragraph 18<br><br> -Subparagraph c(2), d, e, f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15<br><br> -Subparagraph b-d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13467-108611<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 159<br><br> -Paragraph 19<br><br> -Subparagraph a, b, c(1), d(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7578670&amp;loc=d3e19207-110258<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 825<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6447952&amp;loc=d3e13220-108610<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 32<br><br> -Subparagraph a, c(1), c(2), c(3), 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 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13476-108611<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 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<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="ID0E6IAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNetAbstract', window );"><strong>DEFERRED TAX ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
        <td class="nump">$ 4,274<span></span></td>
        <td class="nump">$ 4,972<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_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves', window );">Unfunded commitment reserve</a></td>
        <td class="nump">221<span></span></td>
        <td class="nump">259<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_DeferredTaxAssetsPropertyPlantAndEquipment', window );">Premises and equipment</a></td>
        <td class="nump">1,626<span></span></td>
        <td class="nump">1,468<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_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions', window );">Accrued pension obligation</a></td>
        <td class="nump">2,916<span></span></td>
        <td class="nump">2,357<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_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
        <td class="nump">2,883<span></span></td>
        <td class="nump">4,300<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_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax', window );">Alternative minimum tax credits</a></td>
        <td class="nump">1,635<span></span></td>
        <td class="nump">1,485<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_DeferredTaxAssetsOther', window );">Other</a></td>
        <td class="nump">368<span></span></td>
        <td class="nump">419<span></span></td>
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      <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_DeferredTaxAssetsNet', window );">Total tax assets</a></td>
        <td class="nump">13,923<span></span></td>
        <td class="nump">15,260<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesNetAbstract', window );"><strong>DEFERRED TAX LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesInvestments', window );">Investment accretion</a></td>
        <td class="num">(28)<span></span></td>
        <td class="num">(34)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome', window );">Unrealized investment security gains</a></td>
        <td class="num">(2,133)<span></span></td>
        <td class="num">(2,295)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
        <td class="num">(295)<span></span></td>
        <td class="num">(250)<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_DeferredIncomeTaxLiabilities', window );">Total tax liabilities</a></td>
        <td class="num">(2,456)<span></span></td>
        <td class="num">(2,579)<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_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump">$ 11,467<span></span></td>
        <td class="nump">$ 12,681<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_DeferredIncomeTaxLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allocation of valuation allowances of deferred tax liability to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 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 Deferred Tax Liability<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510232<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 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 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 15<br><br> -Subparagraph b(2)<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_DeferredIncomeTaxLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsLiabilitiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </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_DeferredTaxAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_DeferredTaxAssetsNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_DeferredTaxAssetsOperatingLossCarryforwards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 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 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences 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 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from property, plant, and equipment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allocation of valuation allowances of deferred tax asset attributable to deductible alternative minimum tax credit carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 Alternative Minimum Tax<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504908<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from pension benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from loss reserves other than estimated credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from investments (excludes investments in subsidiaries and equity method investments).</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>
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                    <td><nobr>us-gaap_DeferredTaxLiabilitiesInvestments</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences 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 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 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 11<br><br> -Subparagraph a, d, e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<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 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 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 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in 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 Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 11<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e39076-109324<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<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 36<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 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">7.00%<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Preferred Stock, Dividend Annualization, Begin Date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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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>Preferred Stock, Dividend Annualization, End Date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ClassOfStockLineItems</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 percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EH3CI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)<br>In Thousands</strong></div>
        </th>
        <th class="th">
          <div>Total</div>
        </th>
        <th class="th">
          <div>Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Common Stock [Member]</div>
        </th>
        <th class="th">
          <div>Treasury Stock [Member]</div>
        </th>
        <th class="th">
          <div>Capital Surplus [Member]</div>
        </th>
        <th class="th">
          <div>Retained Earnings [Member]</div>
        </th>
        <th class="th">
          <div>Accumulated Other Comprehensive Loss, Net [Member]</div>
        </th>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2009</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 20,558<span></span></td>
        <td class="nump">$ 264<span></span></td>
        <td class="num">$ (68,659)<span></span></td>
        <td class="nump">$ 144,984<span></span></td>
        <td class="nump">$ 14,480<span></span></td>
        <td class="num">$ (4,373)<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_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">1,282<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,282<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">Warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockAccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">111<span></span></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">(111)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross', window );">Restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">40<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (1,757,800 and 287,400 shares, respectively)</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">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,050)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(489)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></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">(489)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2010</a></td>
        <td class="nump">107,058<span></span></td>
        <td class="nump">20,669<span></span></td>
        <td class="nump">264<span></span></td>
        <td class="num">(68,659)<span></span></td>
        <td class="nump">145,045<span></span></td>
        <td class="nump">14,601<span></span></td>
        <td class="num">(4,862)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">6,537<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">Warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(825)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockAccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">331<span></span></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">(331)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1<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_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross', window );">Restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (1,757,800 and 287,400 shares, respectively)</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="num">(582)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,054)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="nump">1,202<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,202<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">112,352<span></span></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">264<span></span></td>
        <td class="num">(69,241)<span></span></td>
        <td class="nump">145,061<span></span></td>
        <td class="nump">18,928<span></span></td>
        <td class="num">(3,660)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">5,039<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">Warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockAccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</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">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">38<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross', window );">Restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (1,757,800 and 287,400 shares, respectively)</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="num">(4,417)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(828)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(1,719)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,719)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2012</a></td>
        <td class="nump">$ 110,468<span></span></td>
        <td class="nump">$ 21,000<span></span></td>
        <td class="nump">$ 264<span></span></td>
        <td class="num">$ (73,658)<span></span></td>
        <td class="nump">$ 145,102<span></span></td>
        <td class="nump">$ 23,139<span></span></td>
        <td class="num">$ (5,379)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_WarrantRepurchase">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Warrant Repurchase.</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>asrv_WarrantRepurchase</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Changes in additional paid in capital related to exercise of share-based payments awards (such as stock options) and the amount of recognized equity-based compensation during the period (such as nonvested shares).</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_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DividendsPreferredStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of preferred stock cash dividends declared by an entity during the period. This element includes paid and unpaid dividends declared during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net of tax amount of other comprehensive income (loss) attributable to the parent 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 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_PreferredStockAccretionOfRedemptionDiscount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 accretion of the preferred stock redemption discount during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                    <td><strong> Name:</strong></td>
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                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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>Value of stock issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the holder of the stock to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </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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                <p>Aggregate value of stock related to Restricted Stock Awards issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardGross</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>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost 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 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<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 AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section B<br><br> -Paragraph 7<br><br> -Subparagraph b<br><br> -Chapter 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Expense for Income Taxes) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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          <div>Sep. 30, 2012</div>
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        <th class="th">
          <div>Jun. 30, 2012</div>
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          <div>Mar. 31, 2012</div>
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        <th class="th">
          <div>Dec. 31, 2011</div>
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        <th class="th">
          <div>Sep. 30, 2011</div>
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        <th class="th">
          <div>Jun. 30, 2011</div>
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        <th class="th">
          <div>Mar. 31, 2011</div>
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        <th class="th">
          <div>Dec. 31, 2012</div>
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        <th class="th">
          <div>Dec. 31, 2011</div>
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        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_CurrentIncomeTaxExpenseBenefit', window );">Current</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 140<span></span></td>
        <td class="nump">$ 95<span></span></td>
        <td class="nump">$ 206<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,101<span></span></td>
        <td class="nump">2,758<span></span></td>
        <td class="num">(126)<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_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
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        <td class="nump">$ 597<span></span></td>
        <td class="nump">$ 655<span></span></td>
        <td class="nump">$ 678<span></span></td>
        <td class="nump">$ 720<span></span></td>
        <td class="nump">$ 744<span></span></td>
        <td class="nump">$ 900<span></span></td>
        <td class="nump">$ 489<span></span></td>
        <td class="nump">$ 2,241<span></span></td>
        <td class="nump">$ 2,853<span></span></td>
        <td class="nump">$ 80<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The 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>
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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 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>
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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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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</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 sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br></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="ID0ENCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 735<span></span></td>
        <td class="nump">$ 1,307<span></span></td>
        <td class="nump">$ 1,432<span></span></td>
        <td class="nump">$ 1,565<span></span></td>
        <td class="nump">$ 1,770<span></span></td>
        <td class="nump">$ 1,566<span></span></td>
        <td class="nump">$ 1,938<span></span></td>
        <td class="nump">$ 1,263<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
        <td class="nump">$ 1,282<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_DividendsPreferredStock', window );">Preferred stock dividends and accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">828<span></span></td>
        <td class="nump">1,385<span></span></td>
        <td class="nump">1,161<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_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 4,211<span></span></td>
        <td class="nump">$ 5,152<span></span></td>
        <td class="nump">$ 121<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_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding (basic)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">19,685<span></span></td>
        <td class="nump">21,184<span></span></td>
        <td class="nump">21,224<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants', window );">Effect of stock options/warrants</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">62<span></span></td>
        <td class="nump">21<span></span></td>
        <td class="nump">2<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_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average common shares outstanding (diluted)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">19,747<span></span></td>
        <td class="nump">21,205<span></span></td>
        <td class="nump">21,226<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_EarningsPerShareAbstract', window );"><strong>Earnings 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>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.07<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.08<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<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_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.07<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.08<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
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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">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
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                    <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_DividendsPreferredStock">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of aggregate cash, stock, and paid-in-kind dividends declared for preferred shareholders 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 AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></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_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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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              </div>
            </div>
          </td>
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      <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>
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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_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>
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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_IncrementalCommonSharesAttributableToCallOptionsAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of call options and warrants using the treasury stock 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 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 23<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1757-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Treasury Stock Method<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6527216<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 Warrant<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528364<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 Call Option<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506649<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 17, 18, 19, 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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>
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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>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<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 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
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                    <td>xbrli:sharesItemType</td>
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                    <td>na</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="ID0EV2AG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract', window );"><strong>401(k) PLAN:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Contributions to charged to operations</a></td>
        <td class="nump">$ 277<span></span></td>
        <td class="nump"> 229<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent', window );">Employer match percentage</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanMaximumAnnualContributionPerEmployeePercent', window );">Maximum percent of salary</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent', window );">Allowance For Loan Losses String</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld', window );">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</a></td>
        <td class="nump">914<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</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_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours', window );">Minimum number of annual hours</a></td>
        <td class="text">1000 hours<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanVestingPeriod', window );">Vesting term</a></td>
        <td class="text">5 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets', window );">AmeriServ Financial, Inc. common stock held</a></td>
        <td class="nump">626<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock', window );">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfNetGainsLosses', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump">1,363<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_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit', window );">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="num">(20)<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_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation', window );">Estimated transition asset that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump">8<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected return on plan assets</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear', window );">Expected contribution in 2013</a></td>
        <td class="nump">$ 2,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member] | Domestic Equities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</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_DefinedBenefitPlanTargetPlanAssetAllocations', window );">Target allocation</a></td>
        <td class="nump">60.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump">60.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member] | Fixed Income Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</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_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump">40.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</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>asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_asrv_DefinedBenefitPlanVestingPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Vesting 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>asrv_DefinedBenefitPlanVestingPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</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_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</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>asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of union employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfNetGainsLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amounts in accumulated other comprehensive income related to gains and losses that are not recognized immediately and are expected to be recognized as components of net periodic benefit cost over the next fiscal year that follows the most recent annual statement of financial position presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph s<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_DefinedBenefitPlanAmortizationOfNetGainsLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amounts in accumulated other comprehensive income related to prior service cost or credit expected to be recognized as components of net periodic benefit cost over the next fiscal year that follows the most recent annual statement of financial position presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph s<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_DefinedBenefitPlanAmortizationOfNetPriorServiceCostCredit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amounts in accumulated other comprehensive income related to transition assets (obligations), origination from the adoption of FAS 87 and 106, expected to be recognized as components of net periodic benefit cost over the next fiscal year that follows the most recent annual statement of financial position presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph s<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 employer securities or securities of parties related to the employer that are included in plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (n)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph n<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</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 );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The employer's best estimate, as soon as it can be reasonably determined, of contributions expected to be paid to the plan during the next fiscal year beginning after the date of the latest statement of financial position. Estimated contributions may be presented in the aggregate combining (1) contributions required by funding regulations or laws, (2) discretionary contributions, and (3) noncash contributions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph g<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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_DefinedBenefitPlanEstimatedFutureEmployerContributionsInNextFiscalYear</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>Target allocation of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2446-114920<br><br><br><br></p>
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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>Target allocation maximum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation minimum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                  <tr>
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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 amount of the cost recognized during the period for defined contribution plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 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_DefinedContributionPlanCostRecognized</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of employees' gross pay for which the employer contributes a matching contribution to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Components of Accumulated Other Comprehensive Loss</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Pension obligation for defined benefit plan</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(9,520</strong>)</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (8,116</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Unrealized holding gains on available for sale securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,141</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,456</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total accumulated other comprehensive loss</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(5,379)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,660</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Schedule of Earnings per Share</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">Twelve months ended December 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(In thousands, except per share data)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Numerator:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,039</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,537</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,282</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Preferred stock dividends and accretion of preferred stock discount</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>828</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,385</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,161</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net income available to common shareholders</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,211</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,152</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 121</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Denominator:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average common shares outstanding (basic)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,685</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,184</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,224</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Effect of stock options/warrants</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>62</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average common shares outstanding (diluted)</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,747</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,205</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,226</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Earnings per common share:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Basic</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.21</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.24</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.01</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Diluted</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.21</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.24</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.01</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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                    <td><nobr>us-gaap_AccountingPoliciesAbstract</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>Tabular disclosure of the components of accumulated other comprehensive income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669686-108580<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                <p>Tabular disclosure of an entity's basic and diluted earnings per share calculations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETSAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Schedule of Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableInformationLineItems', window );"><strong>Summary of loan portfolio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">$ 721,165<span></span></td>
        <td class="nump">$ 663,737<span></span></td>
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      <tr class="rh">
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          <div class="a">Commercial [Member]</div>
        </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_asrv_FinancingReceivableInformationLineItems', window );"><strong>Summary of loan portfolio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">102,822<span></span></td>
        <td class="nump">83,124<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableInformationLineItems', window );"><strong>Summary of loan portfolio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">383,339<span></span></td>
        <td class="nump">349,778<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real Estate- Mortgage [Member]</div>
        </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_asrv_FinancingReceivableInformationLineItems', window );"><strong>Summary of loan portfolio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">217,584<span></span></td>
        <td class="nump">212,663<span></span></td>
      </tr>
      <tr class="rh">
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          <div class="a">Consumer [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableInformationLineItems', window );"><strong>Summary of loan portfolio</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">$ 17,420<span></span></td>
        <td class="nump">$ 18,172<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after 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> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 116<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>EMPLOYEE BENEFIT PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">EMPLOYEE BENEFIT PLANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 14. EMPLOYEE BENEFIT PLANS</h2> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PENSION PLANS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&#39;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company executed this change to help reduce its rising pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $626,000 and is limited to 10% of the plan&#39;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2012.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PENSION BENEFITS:</h5> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CHANGE IN BENEFIT OBLIGATION:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit obligation at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>25,709</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,337</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,593</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,335</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,234</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,198</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Actuarial loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,882</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,385</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefits paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,574)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,546</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefit obligation at end of year</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>29,844</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 25,709</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> CHANGE IN PLAN ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value of plan assets at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>18,180</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17,749</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Actual return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,162</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (123</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Employer contributions</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,600</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,100</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Benefits paid</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,574)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,546</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value of plan assets at end of year</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>21,368</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,180</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Funded status of the plan - under funded</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8,476)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7,529</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amounts recognized in accumulated other comprehensive loss consists of:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Transition asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8</strong>)</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Prior service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(38)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(58</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net actuarial loss</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,315</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,033</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,269</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,950</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ACCUMULATED BENEFIT OBLIGATION:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accumulated benefit obligation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,662</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The weighted-average assumptions used to determine benefit obligations at December 31, 2012 and 2011 were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Discount rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.75</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Salary scale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.50</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COMPONENTS OF NET PERIODIC BENEFIT COST:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,593</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,335</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,097</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,234</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,198</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,186</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,656)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,582</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,467</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amortization of prior year service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(19)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">7</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Amortization of transition asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(17)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized net actuarial loss</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,094</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 800</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 706</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net periodic pension cost</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,229</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,741</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,520</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,376</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,090</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,895</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized loss</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,094)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (800</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (705</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized prior service cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(7</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recognized net initial asset</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total recognized in other comprehensive income (loss) before tax effect</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,318</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,300</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,192</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total recognized in net benefit cost and other comprehensive income (loss) before tax effect</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,547</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,041</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,712</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The estimated net loss, prior service cost and transition asset for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,363,000, $(20,000), and ($8,000), respectively.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2012, 2011 and 2010 were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Discount rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.75%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.75</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected return on plan assets</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>8.00</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8.00</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Rate of compensation increase</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.50</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.50</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&#39;s historical investment performance over a longer-term period of 15 years combined with the plan&#39;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PLAN ASSETS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The plan&#39;s measurement date is December 31, 2012. This plan&#39;s asset allocations at December 31, 2012 and 2011, by asset category are as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> ASSET CATEGORY:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Domestic equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">19</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Mutual funds/ETFs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>63</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">71</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> International equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>100%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 100</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The major categories of assets in the Company&#39;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Level 1:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Domestic equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,731</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,402</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> International equities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>336</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Mutual funds/ETFs</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,566</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,918</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Level 2:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,735</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,860</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total fair value of plan assets</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>21,368</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,180</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate 40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2012, 2.9% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> CASH FLOWS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company presently expects that the contribution to be made to the Plan in 2013 will be approximately $2.5 million.</p> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ESTIMATED FUTURE BENEFIT PAYMENTS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following benefit payments, which reflect future service, as appropriate, are expected to be paid.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ESTIMATED FUTURE BENEFIT PAYMENTS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,243</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,338</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,142</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,555</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Years 2018 - 2022</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,347</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> 401(k) PLAN:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Contributions by the Company charged to operations were $277,000 and $229,000 for the years ended December 31, 2012 and 2011, respectively. The fair value of plan assets includes $914,000 pertaining to the value of the Company&#39;s common stock and Trust Preferred securities that are held by the plan at December 31, 2012.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 20, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Implementation Guide (Q and A)<br><br> -Number FAS88<br><br> -Paragraph 63<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 8<br><br> -Subparagraph m<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 30<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-2<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph q<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is 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="ID0EKH">
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          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>INVESTMENT SECURITIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock', window );">Schedule of Cost Basis and Fair Values of Investment Securities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,848</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>70</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>131,425</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,320</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(10)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>145,265</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,393</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(120)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>578</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Taxable municipal</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds and other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,995</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55</strong>)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,954</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>598</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,689</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">48</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 165,484</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,737</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 176,173</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,785</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,280</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">643</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,280</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 643</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,914</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Schedule of Investments Securities, by Contractual Maturity</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="31">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U. S. AGENCY</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U.S. AGENCY MORTGAGE-<br /> BACKED SECURITIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">CORPORATE BONDS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COST BASIS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within<br /> 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,848</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.42</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.55</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,840</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.73</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.43</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,347</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.30</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,347</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.18</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,603</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.90</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,603</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.90</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,475</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.89</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,475</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.89</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,848</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.42</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>131,425</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.94</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.55</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>145,265</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.91</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FAIR VALUE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within<br /> 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,918</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,810</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,134</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>16,127</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,404</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,404</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,197</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,197</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U.S. AGENCY MORTGAGE-BACKED SECURITIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">CORPORATE BONDS AND OTHER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL INVESTMENT SECURITIES HELD TO MATURITY</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COST BASIS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.46%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.46%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.92</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.92</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.65</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>995</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.04</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,313</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.69</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.65</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,405</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.17</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.18</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FAIR VALUE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,008</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,904</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,370</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Schedule of Investments with Unrealized Losses</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,140</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>349</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,489</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(10)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,898</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,898</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,031</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(118)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>349</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,380</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(120)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds and other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(35)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(20)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,946</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(35)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(20)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,946</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present information concerning investments with unrealized losses as of December 31, 2011 (in thousands):</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,161</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,161</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 613</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 613</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,774</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,774</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
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                <p>Tabular disclosure of unrealized gains and losses on investments.</p>
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                <p>No definition available.</p>
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          <div style="width: 200px;"><strong>INCOME TAXES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxCreditCarryforwardAmount', window );">Alternative minimum tax credit carryforwards</a></td>
        <td class="nump">$ 1,600<span></span></td>
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        <td class="nump">$ 8,500<span></span></td>
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        <td class="text">2025<span></span></td>
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                <p>The sum of domestic, foreign and state and local operating loss carryforwards, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The expiration date of each operating loss carryforward included in total operating loss carryforwards, or the applicable range of such expiration dates.</p>
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                <p>The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Carryforwards<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506874<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 48<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Mar. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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        <td class="nump">$ 9,878<span></span></td>
        <td class="nump">$ 10,030<span></span></td>
        <td class="nump">$ 9,885<span></span></td>
        <td class="nump">$ 10,124<span></span></td>
        <td class="nump">$ 10,346<span></span></td>
        <td class="nump">$ 10,492<span></span></td>
        <td class="nump">$ 10,530<span></span></td>
        <td class="nump">$ 10,596<span></span></td>
        <td class="nump">$ 39,917<span></span></td>
        <td class="nump">$ 41,964<span></span></td>
        <td class="nump">$ 44,831<span></span></td>
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        <td class="nump">1,796<span></span></td>
        <td class="nump">1,888<span></span></td>
        <td class="nump">1,964<span></span></td>
        <td class="nump">2,066<span></span></td>
        <td class="nump">2,233<span></span></td>
        <td class="nump">2,374<span></span></td>
        <td class="nump">2,444<span></span></td>
        <td class="nump">2,630<span></span></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
        <td class="nump">12,489<span></span></td>
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        <td class="nump">2,243<span></span></td>
        <td class="nump">2,490<span></span></td>
        <td class="nump">2,310<span></span></td>
        <td class="nump">2,838<span></span></td>
        <td class="nump">1,752<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
        <td class="nump">1,362<span></span></td>
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        <td class="num">(655)<span></span></td>
        <td class="num">(678)<span></span></td>
        <td class="num">(720)<span></span></td>
        <td class="num">(744)<span></span></td>
        <td class="num">(900)<span></span></td>
        <td class="num">(489)<span></span></td>
        <td class="num">(2,241)<span></span></td>
        <td class="num">(2,853)<span></span></td>
        <td class="num">(80)<span></span></td>
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        <td class="nump">1,565<span></span></td>
        <td class="nump">1,770<span></span></td>
        <td class="nump">1,566<span></span></td>
        <td class="nump">1,938<span></span></td>
        <td class="nump">1,263<span></span></td>
        <td class="nump">5,039<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromRelatedParties', window );">Inter-entity management and other fees</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,355<span></span></td>
        <td class="nump">2,329<span></span></td>
        <td class="nump">2,362<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest and dividend income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">306<span></span></td>
        <td class="nump">415<span></span></td>
        <td class="nump">499<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_Revenues', window );">TOTAL INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,371<span></span></td>
        <td class="nump">5,864<span></span></td>
        <td class="nump">3,066<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,121<span></span></td>
        <td class="nump">1,121<span></span></td>
        <td class="nump">1,121<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,368<span></span></td>
        <td class="nump">2,394<span></span></td>
        <td class="nump">2,333<span></span></td>
      </tr>
      <tr class="re">
        <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="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,582<span></span></td>
        <td class="nump">1,477<span></span></td>
        <td class="nump">1,529<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_CostsAndExpenses', window );">TOTAL EXPENSE</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,071<span></span></td>
        <td class="nump">4,992<span></span></td>
        <td class="nump">4,983<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,300<span></span></td>
        <td class="nump">872<span></span></td>
        <td class="num">(1,917)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Benefit for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">819<span></span></td>
        <td class="nump">764<span></span></td>
        <td class="nump">722<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,080)<span></span></td>
        <td class="nump">4,901<span></span></td>
        <td class="nump">2,477<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</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="nump">1,282<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_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,320<span></span></td>
        <td class="nump">7,739<span></span></td>
        <td class="nump">793<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Banking Subsidiary [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="nump">2,500<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Non Banking Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 710<span></span></td>
        <td class="nump">$ 620<span></span></td>
        <td class="nump">$ 205<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_IncomeLossFromSubsidiariesNetOfTax</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -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;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</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>
                  </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_CostsAndExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 costs of sales and operating expenses 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 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03)<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_CostsAndExpenses</nobr></td>
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                  <tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earned dividend income on equity securities that are part of the trading and investment portfolios owned by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 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>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, 56<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_DividendIncomeOperating</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
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                  <tr>
                    <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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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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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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      <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>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate 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>
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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:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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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                <p>Amount of revenue, fees and commissions earned from transactions between (a) a parent company and its subsidiaries; (b) subsidiaries of a common parent; (c) an entity and trusts for the benefit of employees, for example, but not limited to, pension and profit-sharing trusts that are managed by or under the trusteeship of the entity's management; (d) an entity and its principal, owners, management, or members of their immediate families; and (e) affiliates.</p>
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                <p>Aggregate revenue recognized during the period (derived from goods sold, services rendered, insurance premiums, or other activities that constitute an entity's earning process). For financial services companies, also includes investment and interest income, and sales and trading gains.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">COMMITMENTS AND CONTINGENT LIABILITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 16. COMMITMENTS AND CONTINGENT LIABILITIES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#39;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&#39;s commercial loans.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2012, the Company had various outstanding commitments to extend credit approximating $132,804,000 and standby letters of credit of $11,365,000, compared to commitments to extend credit of $124,820,000 and standby letters of credit of $10,991,000 at December 31, 2011. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $4.2 million were secured as of December 31, 2012 and approximately $5.0 million at December 31, 2011. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $648,000 at December 31, 2012 and $759,000 at December 31, 2011.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company&#39;s consolidated financial position, results of operation or cash flows.</p> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br>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 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
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                    <td>nonnum:textBlockItemType</td>
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                  <tr>
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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="ID0EHDAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Rollforward of Allowance for Loan Losses by Portfolio Segment) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">$ 14,623<span></span></td>
        <td class="nump">$ 19,765<span></span></td>
        <td class="nump">$ 19,685<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="num">(1,761)<span></span></td>
        <td class="num">(2,941)<span></span></td>
        <td class="num">(5,631)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="nump">484<span></span></td>
        <td class="nump">1,374<span></span></td>
        <td class="nump">461<span></span></td>
      </tr>
      <tr class="re">
        <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 (CREDIT)</a></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">12,571<span></span></td>
        <td class="nump">14,623<span></span></td>
        <td class="nump">19,765<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">2,365<span></span></td>
        <td class="nump">3,851<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="num">(345)<span></span></td>
        <td class="num">(953)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="nump">138<span></span></td>
        <td class="nump">831<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 (CREDIT)</a></td>
        <td class="nump">438<span></span></td>
        <td class="num">(1,364)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">9,400<span></span></td>
        <td class="nump">12,717<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="num">(796)<span></span></td>
        <td class="num">(1,700)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="nump">245<span></span></td>
        <td class="nump">331<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 (CREDIT)</a></td>
        <td class="num">(1,053)<span></span></td>
        <td class="num">(1,948)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">7,796<span></span></td>
        <td class="nump">9,400<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">1,270<span></span></td>
        <td class="nump">1,117<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="num">(420)<span></span></td>
        <td class="num">(85)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="nump">54<span></span></td>
        <td class="nump">53<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 (CREDIT)</a></td>
        <td class="nump">365<span></span></td>
        <td class="nump">185<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">174<span></span></td>
        <td class="nump">206<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(203)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="nump">47<span></span></td>
        <td class="nump">159<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 (CREDIT)</a></td>
        <td class="nump">129<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Allocation for General Risk [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance January 1</a></td>
        <td class="nump">1,414<span></span></td>
        <td class="nump">1,874<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">CHARGE- OFFS</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">RECOVERIES</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 (CREDIT)</a></td>
        <td class="num">(654)<span></span></td>
        <td class="num">(460)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance December 31</a></td>
        <td class="nump">$ 760<span></span></td>
        <td class="nump">$ 1,414<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FinancingReceivableAllowanceForCreditLossesRecovery">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 recovery of financing receivables doubtful of collection that were previously charged off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</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>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
        <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>Amount of direct write-downs of financing receivables charged against the allowance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5KAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">$ 21,368<span></span></td>
        <td class="nump">$ 18,180<span></span></td>
        <td class="nump">$ 17,749<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Cash and Cash Equivalents [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">4,731<span></span></td>
        <td class="nump">3,402<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mutual Funds/ETFs [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">13,566<span></span></td>
        <td class="nump">12,918<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Equity Securities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">336<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">$ 2,735<span></span></td>
        <td class="nump">$ 1,860<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
        <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>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6867990&amp;loc=d3e12355-114930<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph d(iv)(b)(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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        <td class="nump">1,757,800<span></span></td>
        <td class="nump">287,400<span></span></td>
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                <p>Repurchase Of Warrants, Shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>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;">
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                <p>Number of shares that have been repurchased during the period and are being held in 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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
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          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">21,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value per share</a></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
      <tr class="re">
        <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">30,000,000<span></span></td>
        <td class="nump">30,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
        <td class="nump">26,398,540<span></span></td>
        <td class="nump">26,397,040<span></span></td>
      </tr>
      <tr class="re">
        <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">19,164,721<span></span></td>
        <td class="nump">20,921,021<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
        <td class="nump">7,233,819<span></span></td>
        <td class="nump">5,476,019<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_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_PreferredStockLiquidationPreference">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph d<br><br> -Article 4<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(d)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4, 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 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 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<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_PreferredStockLiquidationPreference</nobr></td>
                  </tr>
                  <tr>
                    <td 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_PreferredStockNoParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance value per share of no-par value, 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_PreferredStockNoParValue</nobr></td>
                  </tr>
                  <tr>
                    <td 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_PreferredStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:sharesItemType</td>
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                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesOutstanding</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:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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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_StatementOfFinancialPositionAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<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 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockShares</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:sharesItemType</td>
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                    <td>na</td>
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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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        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
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          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowingsAbstract', window );"><strong>SHORT-TERM BORROWINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTextBlock', window );">SHORT-TERM BORROWINGS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 9. SHORT-TERM BORROWINGS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,755</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>117</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,225</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.34%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.20%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.25</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">49</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,167</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.32</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">OTHER SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,550</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Maximum indebtedness at any month end</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,230</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average balance during year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">9</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,110</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average rate paid for the year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.71</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest rate on year-end balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.62</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at the end of 2012 and three days at the end of both 2011 and 2010.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><nobr>us-gaap_ShortTermBorrowingsAbstract</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 entire disclosure for short-term 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 FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<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 210.5-02.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 7<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 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<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="ID0EAHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details) (Pension Plans [Member])<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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          <div class="a">Pension Plans [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract', window );"><strong>WEIGHTED AVERAGE ASSUMPTIONS:</strong></a></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate', window );">Discount rate</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.75%<span></span></td>
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        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest rate used to adjust for the time value of money for the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate</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>Expected rate of compensation increases (for pay-related plans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EORAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 26,820<span></span></td>
        <td class="nump">$ 34,783<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_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investment securities ? AFS</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="nump">182,923<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Investment securities ? HTM</a></td>
        <td class="nump">14,266<span></span></td>
        <td class="nump">12,914<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump">6,304<span></span></td>
        <td class="nump">8,016<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">10,722<span></span></td>
        <td class="nump">7,195<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">716,756<span></span></td>
        <td class="nump">655,357<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump">2,960<span></span></td>
        <td class="nump">3,216<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump">36,214<span></span></td>
        <td class="nump">35,351<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump">520,002<span></span></td>
        <td class="nump">482,859<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_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump">320,930<span></span></td>
        <td class="nump">338,683<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_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
        <td class="nump">15,660<span></span></td>
        <td class="nump">15,765<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_DebtInstrumentFairValue', window );">All other borrowings</a></td>
        <td class="nump">30,442<span></span></td>
        <td class="nump">23,606<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">2,083<span></span></td>
        <td class="nump">2,523<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_DerivativeLiabilities', window );">Fair value swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage', window );">Assets and liabilities considered financial instruments, percentage</a></td>
        <td class="nump">90.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </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_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump">6,304<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">10,722<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump">2,960<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump">36,214<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump">520,002<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
        <td class="nump">15,660<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">2,083<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investment securities ? AFS</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Investment securities ? HTM</a></td>
        <td class="nump">11,321<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_DerivativeAssets', window );">Fair value swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Investment securities ? HTM</a></td>
        <td class="nump">2,945<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">716,756<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump">320,930<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFairValue', window );">All other borrowings</a></td>
        <td class="nump">30,442<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Carrying Value [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investment securities ? AFS</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="nump">182,923<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Investment securities ? HTM</a></td>
        <td class="nump">13,723<span></span></td>
        <td class="nump">12,280<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump">6,304<span></span></td>
        <td class="nump">8,016<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">10,576<span></span></td>
        <td class="nump">7,110<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">708,594<span></span></td>
        <td class="nump">649,114<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump">2,960<span></span></td>
        <td class="nump">3,216<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump">36,214<span></span></td>
        <td class="nump">35,351<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">346<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>FINANCIAL LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump">520,002<span></span></td>
        <td class="nump">482,859<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump">315,732<span></span></td>
        <td class="nump">333,561<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtFairValue', window );">Short-term borrowings</a></td>
        <td class="nump">15,660<span></span></td>
        <td class="nump">15,765<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFairValue', window );">All other borrowings</a></td>
        <td class="nump">26,085<span></span></td>
        <td class="nump">19,085<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">2,083<span></span></td>
        <td class="nump">2,523<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value swap liability</a></td>
        <td class="nump">$ 164<span></span></td>
        <td class="nump">$ 346<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets and liabilities considered financial instruments, percentage.</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>asrv_AssetsAndLiabilitiesConsideredFinancialInstrumentsPercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with no stated maturities fair value 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>asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_DepositsWithStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with stated maturities fair value 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>asrv_DepositsWithStatedMaturitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the sum of trade and related party payables and accrued expenses as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_AccountsReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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. Amounts due from customers or clients for goods or services (including trade receivables) that have been delivered or sold in the normal course of business, as well as any other amounts due from others, including related parties, which may be included in accounts receivable as categorized 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>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13487-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<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 03<br><br> -Paragraph 3<br><br> -Subparagraph a, b<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_AccountsReceivableFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_AvailableForSaleSecuritiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Available-for-Sale Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Company may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 4: 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashSurrenderValueFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 element represents the portion of a balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount that could be realized under a life insurance contract or contracts owned by the Company as of the date of the statement of financial position. Such Company-owned life insurance policies are commonly known as corporate-owned life insurance (COLI) or bank-owned life insurance (BOLI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Surrender Value<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507153<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 88-5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Technical Bulletin (FTB)<br><br> -Number 85-4<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_CashSurrenderValueFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DebtInstrumentFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13476-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DerivativeAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 values as of the balance sheet date of all assets resulting from contracts that meet the criteria of being accounted for as derivative instruments, net of the effects of master netting arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<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 FIN39-1<br><br> -Paragraph 10A, 10B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 4, 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13495-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DerivativeLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 values as of the balance sheet date of all liabilities resulting from contracts that meet the criteria of being accounted for as derivative instruments, net of the effects of master netting arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<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 FIN39-1<br><br> -Paragraph 10A, 10B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 4, 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13495-108611<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <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_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents investments in debt securities which are categorized as held-to-maturity and that have scheduled maturities more than one year from the balance sheet date or operating cycle, if longer; such investments are normally measured at amortized cost (carrying value) unless circumstances indicate that the value to be recovered from the investment is less than its carried amount. The held-to-maturity category is for those securities that the Company has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 33<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7-11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for investments in Federal Home Loan Bank stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 20<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentInFederalHomeLoanBankStockFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_LoansHeldForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loans held-for-sale as presented on the statement of financial position which may include mortgage loans held-for-sale, finance receivables held-for-sale, or any other loans classified as held-for-sale which are due the Company as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleFairValueDisclosure</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 loan receivable as presented on the statement of financial position which may include mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts, or any other loans which are due the Company as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Glossary Loan<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517073<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 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_LoansReceivableFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ShorttermDebtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of short-term debt existing as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShorttermDebtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EB3AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on a Non-recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">$ 1,228<span></span></td>
        <td class="nump">$ 124<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">3,220<span></span></td>
        <td class="nump">2,902<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">1,228<span></span></td>
        <td class="nump">124<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Quoted Prices in Active Markets For Identical Assets (Level 1) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">3,220<span></span></td>
        <td class="nump">2,902<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">$ 1,228<span></span></td>
        <td class="nump">$ 124<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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
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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_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 2, 3, 4<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_OtherRealEstateAndForeclosedAssets</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>instant</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_ReceivablesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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. Includes disclosure of claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 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 210.5-02.3)<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_ReceivablesFairValueDisclosure</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>debit</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EDNBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash</a></td>
        <td class="nump">$ 17,808<span></span></td>
        <td class="nump">$ 26,938<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">7,282<span></span></td>
        <td class="nump">6,129<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">151,538<span></span></td>
        <td class="nump">182,923<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">6,940<span></span></td>
        <td class="nump">8,501<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
        <td class="nump">948,974<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">13,044<span></span></td>
        <td class="nump">15,454<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">890,523<span></span></td>
        <td class="nump">866,724<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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 stockholders' equity</a></td>
        <td class="nump">110,468<span></span></td>
        <td class="nump">112,352<span></span></td>
        <td class="nump">107,058<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash</a></td>
        <td class="nump">100<span></span></td>
        <td class="nump">100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">6,085<span></span></td>
        <td class="nump">4,430<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">10,534<span></span></td>
        <td class="nump">11,269<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Guaranteed junior subordinated deferrable interest debenture issuance costs</a></td>
        <td class="nump">240<span></span></td>
        <td class="nump">256<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">2,713<span></span></td>
        <td class="nump">2,604<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">123,810<span></span></td>
        <td class="nump">126,557<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">257<span></span></td>
        <td class="nump">1,120<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">13,342<span></span></td>
        <td class="nump">14,205<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 stockholders' equity</a></td>
        <td class="nump">110,468<span></span></td>
        <td class="nump">112,352<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">123,810<span></span></td>
        <td class="nump">126,557<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Banking Subsidiary [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump">99,121<span></span></td>
        <td class="nump">103,010<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Non-Banking Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump">$ 5,017<span></span></td>
        <td class="nump">$ 4,888<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<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 Concepts (CON)<br><br> -Number 6<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 18<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 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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> -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 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15E<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<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 1, 2, 3, 7, 11<br><br> -IssueDate 2006-05-01<br><br> -Chapter 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<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 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFinanceCostsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 21<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<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 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredFinanceCostsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16385135&amp;loc=d3e33749-111570<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<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 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22)<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 Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<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_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> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19-26)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</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_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.32)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 25<br><br> -Article 7<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 32<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_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_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>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 17<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<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_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1(g))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 5<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>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 1<br><br> -Subparagraph g<br><br> -Article 7<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 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 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 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.5)<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_OtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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> -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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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<DOCUMENT>
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<SEQUENCE>96
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding', window );">Maximum notional amount outstanding permitted</a></td>
        <td class="nump">$ 500,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap One [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,
         2008<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,
         2013<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotionalAmountOfInterestRateFairValueHedgeDerivatives', window );">Notional amount</a></td>
        <td class="nump">9,000,000<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_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump">2.73%<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_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump">5.25%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="nump">227,088<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap Two [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,
         2008<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,
         2013<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotionalAmountOfInterestRateFairValueHedgeDerivatives', window );">Notional amount</a></td>
        <td class="nump">9,000,000<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_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump">2.73%<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_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump">5.25%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="num">$ (227,088)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum Notional Amount Of Derivatives Outstanding.</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>asrv_MaximumNotionalAmountOfDerivativesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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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_DerivativeFixedInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fixed interest rate related to the interest rate derivative.</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_DerivativeFixedInterestRate</nobr></td>
                  </tr>
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                    <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_DerivativeInceptionDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the entity entered into the derivative contract, in CCYY-MM-DD format.</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_DerivativeInceptionDates</nobr></td>
                  </tr>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </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_DerivativeLineItems</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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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <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_DerivativeMaturityDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the derivative contract matures, in CCYY-MM-DD format.</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_DerivativeMaturityDates</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:dateItemType</td>
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                  <tr>
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                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </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>Variable interest rate in effect as of the balance sheet date related to the interest rate derivative.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>us-gaap_DerivativeVariableInterestRate</nobr></td>
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                <p>Amount of unrealized gain (loss) included in earnings related to the fair value of the hedged item in an interest rate fair value hedge, offset by the gain (loss) on the hedging instrument to the extent that the fair value hedge is determined to be effective.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
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                    <td><nobr>us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></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>Aggregate notional amount of all interest rate derivatives designated as hedging instruments in fair value hedges. Notional amount refers to the monetary amount specified in the interest rate derivative contract.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><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 Notional Amount<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519104<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EVRAE">
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          <div style="width: 200px;"><strong>Document and Entity Information (USD $)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <th class="th">
          <div>Jan. 31, 2013</div>
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          <div>Jun. 30, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">Smaller Reporting Company<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">AMERISERV FINANCIAL INC /PA/<span></span></td>
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        <td class="text">0000707605<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_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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;">
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                <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">
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                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <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;">
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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 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;">
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <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>
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                  <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>
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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>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</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>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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td>dei:yesNoItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</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>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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td>dei:filerCategoryItemType</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>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>
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                    <td>xbrli:monetaryItemType</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.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_EntityRegistrantName</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.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_EntityVoluntaryFilers</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.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_EntityWellKnownSeasonedIssuer</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements', window );">Cash available for immediate dividends</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of dividends that can be declared or paid without affecting the banking or savings institution's regulatory capital position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph e<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of statutory capital and surplus computed using prescribed or permitted statutory accounting practice.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 60<br><br> -Paragraph 60<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6486098&amp;loc=d3e24708-158529<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtTextBlock', window );">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 10. ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED<br /> JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Borrowings and advances from the FHLB consist of the following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Overnight</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.25%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.52</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.74</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.92</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,000</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total advances</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.73</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,000</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total FHLB borrowings</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.47%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>28,660</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Overnight</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2012</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.30</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total advances</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.30</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total FHLB borrowings</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.60</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&#39;s investment in assets secured by one- to four-family residential real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2012, the Company had immediately available $307 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Guaranteed Junior Subordinated Deferrable Interest Debentures:</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $240,000 as of December 31, 2012 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2012 and 2011 was $13.1 million.</p> <!--EndFragment--></div> </div><span></span></td>
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    <div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
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                    <td><nobr>us-gaap_LongTermDebtAbstract</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-term 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 FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<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 22<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;">
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                    <td><nobr>us-gaap_LongTermDebtTextBlock</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EZGAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Schedule of Interest Income) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome', window );">Interest income due in accordance with original terms</a></td>
        <td class="nump">$ 231<span></span></td>
        <td class="nump">$ 376<span></span></td>
        <td class="nump">$ 1,086<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_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recorded</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(167)<span></span></td>
        <td class="num">(458)<span></span></td>
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        <td class="nump">$ 231<span></span></td>
        <td class="nump">$ 209<span></span></td>
        <td class="nump">$ 628<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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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>Reflects the amount of additional interest income that would have been recorded if impaired or nonperforming loans were instead current, in compliance with their original terms, and outstanding throughout the reporting period or since origination (if held for part of the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph j(ii)<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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 15<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans</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 gross interest income that would have been recorded in the period on troubled debt restructurings, if the loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination, if held for part of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph j(ii)<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 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 15<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
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        <td class="nump">1,586<span></span></td>
        <td class="nump">968<span></span></td>
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          <div class="a">Fair Value, Measurements, Nonrecurring [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Net fair value of impaired loans</a></td>
        <td class="nump">$ 3,220<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953550-111524<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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. Includes disclosure of claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 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 210.5-02.3)<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_ReceivablesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>102
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ENWAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>INTEREST INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable', window );">Taxable</a></td>
        <td class="nump">$ 34,752<span></span></td>
        <td class="nump">$ 35,630<span></span></td>
        <td class="nump">$ 39,020<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt', window );">Tax exempt</a></td>
        <td class="nump">63<span></span></td>
        <td class="nump">69<span></span></td>
        <td class="nump">76<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions', window );">Interest bearing deposits</a></td>
        <td class="nump">10<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="nump">1<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeMoneyMarketDeposits', window );">Short-term investments in money market funds</a></td>
        <td class="nump">18<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="nump">16<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeFederalFundsSold', window );">Federal funds sold</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">7<span></span></td>
        <td class="nump">4<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract', window );"><strong>Investment securities:</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_InterestAndDividendIncomeSecuritiesAvailableForSale', window );">Available for sale</a></td>
        <td class="nump">4,634<span></span></td>
        <td class="nump">5,837<span></span></td>
        <td class="nump">5,281<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity', window );">Held to maturity</a></td>
        <td class="nump">440<span></span></td>
        <td class="nump">403<span></span></td>
        <td class="nump">433<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_InterestAndDividendIncomeOperating', window );">Total Interest Income</a></td>
        <td class="nump">39,917<span></span></td>
        <td class="nump">41,964<span></span></td>
        <td class="nump">44,831<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>INTEREST EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
        <td class="nump">6,502<span></span></td>
        <td class="nump">8,335<span></span></td>
        <td class="nump">10,945<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump">11<span></span></td>
        <td class="nump">6<span></span></td>
        <td class="nump">22<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump">81<span></span></td>
        <td class="nump">220<span></span></td>
        <td class="nump">402<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">1,120<span></span></td>
        <td class="nump">1,120<span></span></td>
        <td class="nump">1,120<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_InterestExpense', window );">Total Interest Expense</a></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
        <td class="nump">12,489<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_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump">32,203<span></span></td>
        <td class="nump">32,283<span></span></td>
        <td class="nump">32,342<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<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_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after Provision (Credit) for Loan Losses</a></td>
        <td class="nump">32,978<span></span></td>
        <td class="nump">35,858<span></span></td>
        <td class="nump">27,092<span></span></td>
      </tr>
      <tr class="ro">
        <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="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities', window );">Trust fees</a></td>
        <td class="nump">6,527<span></span></td>
        <td class="nump">6,173<span></span></td>
        <td class="nump">5,571<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentAdvisoryFees', window );">Investment advisory fees</a></td>
        <td class="nump">741<span></span></td>
        <td class="nump">754<span></span></td>
        <td class="nump">713<span></span></td>
      </tr>
      <tr class="re">
        <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 gains on loans held for sale</a></td>
        <td class="nump">1,132<span></span></td>
        <td class="nump">812<span></span></td>
        <td class="nump">958<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net realized gains (losses) on investment securities</a></td>
        <td class="nump">12<span></span></td>
        <td class="num">(358)<span></span></td>
        <td class="nump">157<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposit accounts</a></td>
        <td class="nump">2,195<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,284<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">863<span></span></td>
        <td class="nump">885<span></span></td>
        <td class="nump">1,227<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
        <td class="nump">3,473<span></span></td>
        <td class="nump">3,062<span></span></td>
        <td class="nump">3,057<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_NoninterestIncome', window );">Total Non-Interest Income</a></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
        <td class="nump">13,967<span></span></td>
      </tr>
      <tr class="re">
        <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">24,424<span></span></td>
        <td class="nump">22,616<span></span></td>
        <td class="nump">21,602<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Net occupancy expense</a></td>
        <td class="nump">2,800<span></span></td>
        <td class="nump">2,900<span></span></td>
        <td class="nump">2,691<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Equipment expense</a></td>
        <td class="nump">1,764<span></span></td>
        <td class="nump">1,686<span></span></td>
        <td class="nump">1,680<span></span></td>
      </tr>
      <tr class="re">
        <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">3,870<span></span></td>
        <td class="nump">3,875<span></span></td>
        <td class="nump">4,363<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SuppliesAndPostageExpense', window );">Supplies, postage, and freight</a></td>
        <td class="nump">830<span></span></td>
        <td class="nump">886<span></span></td>
        <td class="nump">997<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxesOther', window );">Miscellaneous taxes and insurance</a></td>
        <td class="nump">1,439<span></span></td>
        <td class="nump">1,372<span></span></td>
        <td class="nump">1,396<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Federal deposit insurance expense</a></td>
        <td class="nump">441<span></span></td>
        <td class="nump">1,338<span></span></td>
        <td class="nump">1,575<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankPrepaymentPenalties', window );">Federal Home Loan Bank prepayment penalties</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">240<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <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">5,073<span></span></td>
        <td class="nump">5,124<span></span></td>
        <td class="nump">5,393<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">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
        <td class="nump">39,697<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
        <td class="nump">1,362<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
        <td class="nump">80<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</a></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="nump">1,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Preferred stock dividends and accretion of preferred stock discount</a></td>
        <td class="nump">828<span></span></td>
        <td class="nump">1,385<span></span></td>
        <td class="nump">1,161<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_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="nump">$ 4,211<span></span></td>
        <td class="nump">$ 5,152<span></span></td>
        <td class="nump">$ 121<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Basic:</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 );">Net income</a></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Average number of shares outstanding</a></td>
        <td class="nump">19,685<span></span></td>
        <td class="nump">21,184<span></span></td>
        <td class="nump">21,224<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Diluted:</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_EarningsPerShareDiluted', window );">Net income</a></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<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_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Average number of shares outstanding</a></td>
        <td class="nump">19,747<span></span></td>
        <td class="nump">21,205<span></span></td>
        <td class="nump">21,226<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared</a></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FederalHomeLoanBankPrepaymentPenalties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 prepayment penalties.</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>asrv_FederalHomeLoanBankPrepaymentPenalties</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 and Fee Income, Loans and Leases, Taxable.</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>asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 and Fee Income, Loans and Leases, Tax Exempt.</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>asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <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_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><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 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td 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_DividendsPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of aggregate cash, stock, and paid-in-kind dividends declared for preferred shareholders during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<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 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<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 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 405<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<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_DividendsPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 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 128<br><br><br><br> -Paragraph 36, 37, 38<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.23)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 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 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 52<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=16381557&amp;loc=d3e4984-109258<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 11: 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 20<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_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_EarningsPerShareBasicAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_EarningsPerShareBasicAbstract</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_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<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 128<br><br><br><br> -Paragraph 11, 12, 36<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<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 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_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_EarningsPerShareDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_EarningsPerShareDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsDepositorAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsDepositorAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph h<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>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 08<br><br><br><br> -Paragraph h<br><br><br><br> -Subparagraph 1(i)<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (a),(b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br><br><br><br><br>Reference 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 109<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph a, b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>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 08<br><br><br><br> -Paragraph h<br><br><br><br> -Article 4<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> -Glossary Income Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br><br><br><br><br></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>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1-5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 1, 2 , 3, 4, 5<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-BRD<br><br><br><br> -Paragraph 9, 51, 54<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income on securities classified neither as held-to-maturity nor trading ("available-for-sale securities") includes: (a) interest and dividends earned on all securities and (b) amortization and accretion (as applicable) of discounts and premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name 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 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=16383099&amp;loc=d3e24721-111560<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 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 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> -Glossary Available-for-Sale Securities<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income on securities which the Entity has positive intent and ability to hold for the foreseeable future or until maturity ("held-to-maturity securities") consisting of: (a) interest and dividends earned on all securities and (b) amortization and accretion (as applicable) of discounts and premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=16383099&amp;loc=d3e24721-111560<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 7, 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 9<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 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 9<br><br><br><br> -Chapter V<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 34<br><br><br><br> -Paragraph 21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 6<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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 6<br><br><br><br> -Chapter V<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<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_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on short-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 7<br><br><br><br> -Chapter V<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures">
        <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>Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseJuniorSubordinatedDebentures</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from funds deposited with both domestic and foreign financial institutions including funds in money market and other accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeDepositsWithFinancialInstitutions</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
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      <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>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeFederalFundsSold">
        <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>Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans generally are of short-duration (overnight).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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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>Interest earned on funds deposited in US domestic money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeMoneyMarketDeposits</nobr></td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fees earned for providing investment advice and research to customers. Such services may include the investment management of mutual funds and separate accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(a),(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>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-BRD<br><br><br><br> -Paragraph 9, 51, 59, 80<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentAdvisoryFees</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 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> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 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 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 10, 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<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> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 87-21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 95<br><br><br><br> -Paragraph 28, 29, 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e565-108580<br><br><br><br><br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A7<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data 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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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<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 128<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
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                  <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>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>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 14<br><br><br><br> -Chapter V<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher 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 13<br><br><br><br> -Chapter V<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</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> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <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_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOtherOperatingIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<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 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>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 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-BRD<br><br><br><br> -Paragraph 62<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_ProfessionalFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<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 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -Subparagraph (k)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<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_ProfessionalFees</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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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_ProvisionForLoanLossesExpensed">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Provision charged for the period based on estimated losses to be realized from loan 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 Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Paragraph 17<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 5<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 11<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLossesExpensed</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_SuppliesAndPostageExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 expenses directly related to the supplies and postage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SuppliesAndPostageExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Taxes, excluding payroll, income and excise taxes, if not included elsewhere, that could include production, real and personal property, and other selling and distribution-related taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The 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><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 128<br><br><br><br> -Paragraph 40<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 128<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 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 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 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 128<br><br><br><br> -Paragraph 40<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 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 128<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 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 128<br><br><br><br> -Paragraph 171<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br><br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>LOANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesExcludingAllowanceForCreditLossesTextBlock', window );">LOANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 4. LOANS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The loan portfolio of the Company consisted of the following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of unearned income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loan balances at December 31, 2012 and 2011 are net of unearned income of $637,000 and $452,000, respectively. Real estate construction loans comprised 2.0% and 1.9% of total loans net of unearned income at December 31, 2012 and 2011, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2012 and 2011, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&#39;s lending occurs within a 150 mile radius of the Johnstown market.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&#39;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $1.0 million and $612,000 at December 31, 2012 and 2011, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>The entire disclosure for claims held for amounts due a company, excluding disclosure for allowance for credit losses. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Also excludes disclosure for financing receivables.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>INVESTMENT SECURITIES<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>INVESTMENT SECURITIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">INVESTMENT SECURITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 3. INVESTMENT SECURITIES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The cost basis and fair values of investment securities are summarized as follows:</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,848</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>70</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>131,425</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,320</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(10)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>145,265</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,393</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(120)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>578</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Taxable municipal</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds and other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,995</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55</strong>)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,954</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>598</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,689</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">48</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 165,484</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,737</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 176,173</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,785</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COST BASIS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED GAINS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,280</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">643</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,000</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,280</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 643</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,914</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Maintaining investment quality is a primary objective of the Company&#39;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&#39;s Investors Service or Standard &amp; Poor&#39;s rating of A. At December 31, 2012, 92.2% of the portfolio was rated AAA as compared to 98.4% at December 31, 2011. 1.3% of the portfolio was rated below A or unrated on December 31, 2012. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&#39; equity at December 31, 2012.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $94,206,000 at December 31, 2012 and $83,235,000 at December 31, 2011.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company realized $12,000 of gross investment security gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011, and $157,000 of gross investment gains and no investment security losses in 2010. On a net basis, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000, and the realized gain for 2010 was $104,000, after factoring the tax expense of $53,000. Proceeds from sales of investment securities available for sale were $4.2 million for 2012, $16.5 million for 2011, and $2.7 million during 2010.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2012. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&#39;s consolidated investment securities portfolio had a modified duration of approximately 1.73 years. The weighted average expected maturity for available for sale securities at December 31, 2012 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate bond securities was 4.29, 2.81 and 3.92 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2012 for U.S. Agency Mortgage-Backed and Corporate bonds and other securities were 3.10 and 4.88 years.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="31">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U. S. AGENCY</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U.S. AGENCY MORTGAGE-<br /> BACKED SECURITIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">CORPORATE BONDS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COST BASIS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within<br /> 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,848</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.42</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.55</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,840</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.73</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.43</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,347</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.30</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,347</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.18</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,603</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.90</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,603</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.90</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,475</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.89</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>58,475</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.89</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,848</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.42</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>131,425</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.94</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,992</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.55</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>145,265</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.91</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FAIR VALUE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within<br /> 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,918</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,810</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,134</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>16,127</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,404</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,404</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,197</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,197</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">U.S. AGENCY MORTGAGE-BACKED SECURITIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">CORPORATE BONDS AND OTHER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL INVESTMENT SECURITIES HELD TO MATURITY</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> COST BASIS<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.46%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.46%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,000</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.44</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.92</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>410</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.92</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.65</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>995</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4.04</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,313</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.69</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,318</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.65</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,405</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.17</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.18</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FAIR VALUE<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Within 1 year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 1 year but within 5 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 5 years but within 10 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> After 10 years but within 15 years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>416</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over 15 years</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,008</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,904</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,896</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,370</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>993</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(7)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,140</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(8)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>349</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,489</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(10)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,898</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,898</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(103)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,031</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(118)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>349</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,380</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(120)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds and other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(35)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(20)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,946</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>965</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(35)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,981</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(20)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,946</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(55)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present information concerning investments with unrealized losses as of December 31, 2011 (in thousands):</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,161</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,161</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(28</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 613</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 613</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (7</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,774</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,774</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (35</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">LESS THAN 12 MONTHS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">12 MONTHS OR LONGER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other securities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,991</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 13 positions that are considered temporarily impaired at December 31, 2012. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.</p> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for  investments in certain debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27405-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 3, 19, 20, 21, 22, 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -Glossary Equity Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6511694<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 320<br><br> -Glossary Debt Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509901<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>LEASE COMMITMENTS<br></strong></div>
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        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 15. LEASE COMMITMENTS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s obligation for future minimum lease payments on operating leases at December 31, 2012, is as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FUTURE MINIMUM LEASE PAYMENTS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">760</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">564</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">556</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">498</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">383</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2018 and thereafter</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,975</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $785,000, $665,000 and $502,000, in 2012, 2011, and 2010, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for lessee entity's leasing arrangements including, but not limited to, all of the following: (a.) The basis on which contingent rental payments are determined, (b.) The existence and terms of renewal or purchase options and escalation clauses, (c.) Restrictions imposed by lease agreements, such as those concerning dividends, additional debt, and further leasing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 1,3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12069-110248<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<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 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 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6452660&amp;loc=d3e36991-112694<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 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></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS<br></strong></div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 11. DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&#39;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#39;s terms and conditions, among other things.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2012 and 2011, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> <u>Assets and Liability Measured on a Recurring Basis</u></p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,911</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>137,735</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Corporate bonds</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,892</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,709</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> U.S. Agency mortgage-backed securities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 172,214</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Fair value of swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair value of $3.2 million. At December 31, 2011, impaired loans with a carrying value of $3.9 million were reduced by specific valuation allowance totaling $968,000 resulting in a net fair value of $2.9 million.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> <u>Assets Measured on a Non-recurring Basis</u></p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Assets measured at fair value on a non-recurring basis are summarized below (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2011 USING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Assets:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,902</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,902</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> December 31, 2012</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Fair Value Estimate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Valuation<br /> Techniques</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Unobservable<br /> Input</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Range</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Impaired loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,220</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal of collateral</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(1)</sup><!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal adjustments</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(2)</sup><!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -35</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom"> Liquidation expenses</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <sup>(2)</sup><!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -15</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">1% to -20</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> </table> </div> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(1)</td> <td style="TEXT-ALIGN: left">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(2)</td> <td style="TEXT-ALIGN: left">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(3)</td> <td style="TEXT-ALIGN: left">Includes qualitative adjustments by management and estimated liquidation expenses.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13504-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15C, 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 44A, 44B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 107<br><br> -Paragraph 15A<br><br> -Subparagraph a-d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 107<br><br> -Paragraph 3, 10, 14, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 159<br><br> -Paragraph 17-22, 27, 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MaturitiesOfTimeDepositsAbstract', window );"><strong>OTHER TIME DEPOSITS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2013</a></td>
        <td class="nump">$ 150,998<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2014</a></td>
        <td class="nump">35,120<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2015</a></td>
        <td class="nump">29,222<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2016</a></td>
        <td class="nump">10,021<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2017</a></td>
        <td class="nump">10,125<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">2018 and after</a></td>
        <td class="nump">44,907<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">280,393<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract', window );"><strong>CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths', window );">2013</a></td>
        <td class="nump">27,941<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo', window );">2014</a></td>
        <td class="nump">6,203<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree', window );">2015</a></td>
        <td class="nump">795<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour', window );">2016</a></td>
        <td class="nump">400<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive', window );">2017</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive', window );">2018 and after</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump">$ 35,339<span></span></td>
        <td class="nump">$ 43,762<span></span></td>
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                <p>Contractual Maturities Of Time Deposits $100,000 Or More, After Year Five.</p>
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                <p>Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Amount of time deposits maturing in the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></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>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></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>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearTwo</nobr></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</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 aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<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 42<br><br> -Subparagraph a<br><br> -IssueDate 2008-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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PREMISES AND EQUIPMENT</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> An analysis of premises and equipment follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Land</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,208</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,208</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Premises</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>24,430</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,534</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Furniture and equipment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,572</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,941</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Leasehold improvements</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>690</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 516</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total at cost</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>33,900</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 32,199</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Less: Accumulated depreciation and amortization</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>22,102</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 21,525</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net book value</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,798</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,674</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company recorded depreciation expense of $1.5 million for each of the years 2012, 2011 and 2010, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5G">
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          <div style="width: 200px;"><strong>CASH AND DUE FROM BANKS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6AAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract', window );"><strong>FUTURE MINIMUM LEASE PAYMENTS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">2013</a></td>
        <td class="nump">$ 760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears', window );">2014</a></td>
        <td class="nump">564<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears', window );">2015</a></td>
        <td class="nump">556<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears', window );">2016</a></td>
        <td class="nump">498<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears', window );">2017</a></td>
        <td class="nump">383<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter', window );">2018 and thereafter</a></td>
        <td class="nump">1,975<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesRentExpenseNet', window );">Rent expense included in total non-interest expense</a></td>
        <td class="nump">$ 785<span></span></td>
        <td class="nump">$ 665<span></span></td>
        <td class="nump">$ 502<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract</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> 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>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the next fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</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>instant</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears">
        <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>Amount of required minimum rental payments maturing in the fifth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</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>instant</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_OperatingLeasesFutureMinimumPaymentsDueInFourYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the forth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</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>instant</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_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">
        <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>Amount of required minimum rental payments maturing in the third fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</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>instant</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_OperatingLeasesFutureMinimumPaymentsDueInTwoYears">
        <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>Amount of required minimum rental payments maturing in the second fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears</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>instant</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 required minimum rental payments maturing after the fifth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 b(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 122<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
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                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesRentExpenseNet">
        <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>Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesRentExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
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                    <td>xbrli:monetaryItemType</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
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          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">ALLOWANCE FOR LOAN LOSSES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 5. ALLOWANCE FOR LOAN LOSSES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CHARGE-<br /> OFFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOVERIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PROVISION (CREDIT)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2012</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,365</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(345)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>138</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>438</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,400</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(796)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>245</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,053)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,796</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate- mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,270</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(420)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>54</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>365</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>174</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(200)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>129</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Allocation for general risk</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,414</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(654)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,623</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,761)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>484</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(775)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,571</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2010</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CHARGE-<br /> OFFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOVERIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PROVISION (CREDIT)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2011</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,851</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (953</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">831</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,364</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,717</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,700</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">331</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,948</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,400</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate- mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,117</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(85</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">53</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">185</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">206</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (203</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">159</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">12</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">174</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Allocation for general risk</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,874</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (460</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,941</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,374</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,575</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,623</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> An analysis of the changes in the allowance for loan losses follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">YEAR ENDED DECEMBER 31,<br /> 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance January 1</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,685</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,250</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recoveries on loans previously charged-off</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">461</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans charged-off</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (5,631</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance December 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Individually evaluated for impairment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,793</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,806</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Collectively evaluated for impairment</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>378,546</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,407</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,359</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Specific reserve allocation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> General reserve allocation</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,210</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,985</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total allowance for loan losses</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,796</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,571</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Individually evaluated for impairment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Collectively evaluated for impairment</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 345,908</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 659,867</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Specific reserve allocation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">968</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">968</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> General reserve allocation</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,432</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 174</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,655</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total allowance for loan losses</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,400</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 174</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,623</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The segments of the Company&#39;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&#39;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is driven by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Management evaluates for possible impairment any individual loan in the commercial segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#39;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; (b) the loan&#39;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependant loans. The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#39;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The need for an updated appraisal on collateral dependent loans is determined on a case by case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&#39;s internal Assigned Risk Department to support the value of the property.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&#39;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the passage of time;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the volatility of the local market;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the availability of financing;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">natural disasters;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the inventory of competing properties;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">environmental contamination.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&#39;s Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RELATED ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,239</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>554</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,793</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,850</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,23</strong>9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>567</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,806</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,863</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RELATED ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,836</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 968</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,034</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,844</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,836</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 968</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,034</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,844</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average impaired balance:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">503</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,591</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,754</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,479</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,611</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average investment in impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,770</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,982</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,202</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recognized:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">90</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 150</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 368</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recognized on a cash basis on impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 167</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 458</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Management uses a ten point internal risk rating system to monitor the credit quality of the commercial and commercial real estate portfolios. The first six categories are considered not criticized. The first five "Pass" categories are aggregated, while the Pass 6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&#39;s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&#39;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2012 requires review of a minimum 55% of the commercial loan portfolio.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&#39;s Loan Loss Reserve Committee on a quarterly basis.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PASS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SPECIAL MENTION</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SUBSTANDARD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DOUBTFUL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>99,886</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>28</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,908</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>343,885</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,836</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,010</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,608</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>443,771</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,864</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,918</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,608</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>486,161</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PASS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SPECIAL MENTION</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SUBSTANDARD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DOUBTFUL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80,175</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,186</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">763</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 305,066</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 28,138</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 16,244</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 330</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 385,241</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 30,324</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17,007</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 330</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 432,902</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="616"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PERFORMING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>216,393</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,191</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,407</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>233,800</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,204</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PERFORMING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 211,458</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 229,630</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CURRENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">30 - 59 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">60 - 89 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL<br /> PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL LOANS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,775</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>379,834</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,545</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,505</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>213,300</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,240</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>303</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>741</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,284</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,371</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>16</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>33</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>49</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>713,280</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,256</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,928</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,701</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,885</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CURRENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">30 - 59 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">60 - 89 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL LOANS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 347,671</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">650</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,457</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,107</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 209,060</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,133</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">629</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">841</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,603</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,115</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 57</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 57</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 657,970</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,840</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 629</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,298</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,767</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> An allowance for loan losses ("ALL") is maintained to absorb losses from the loan portfolio. The ALL is based on management&#39;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&#39;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&#39;s management to establish allocations which accommodate each of the listed risk factors.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> "Pass" rated credits are segregated from "Criticized" and "Classified" credits for the application of qualitative factors.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.</p> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for allowance for credit losses.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsTextBlock', window );">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 6. NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT<br /> RESTRUCTURINGS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present information concerning non-performing assets:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Non-accrual loans:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,623</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,191</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5,814</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,075</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other real estate owned:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,101</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">20</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>127</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 104</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,228</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 124</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total restructured loans not in non-accrual (TDR)</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>182</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total non-performing assets including TDR</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,224</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,199</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.00%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.78</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company had no loans past due 90 days or more for the periods presented which were accruing interest.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&#39;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&#39;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&#39;s loan.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> To be considered a TDR, both of the following criteria must be met:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower must be experiencing financial difficulties; and</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the Bank, for economic or legal reasons related to the borrower&#39;s financial difficulties, grants a concession to the borrower that would not otherwise be considered.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is currently in default on their loan(s);</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower has filed for bankruptcy;</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower has insufficient cash flows to service their loan(s); and</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Factors that indicate that a concession has been granted include, but are not limited to:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; or</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 24px">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&#39;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Any loan modification where the borrower&#39;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2012 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in non-accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">4</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,772</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">2</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">169</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">1</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">13</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2011 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in non-accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table details the TDRs at December 31, 2010 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> Loans in accrual status</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3"># of Loans</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Current Balance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">2</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,337</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: left; VERTICAL-ALIGN: text-bottom">Extension of maturity date</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made an additional six consecutive payments in accordance with the terms of the loan.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table presents the recorded investment in loans that were classified as TDR&#39;s and defaulted during these reporting periods (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">Twelve months ended December 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> <u>Recorded investment of defaults</u><br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Commercial loan secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 595</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,312</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 390</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 595</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,312</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 390</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> All TDR&#39;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&#39;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income due in accordance with original terms</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>231</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">376</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,086</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recorded</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (167</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (458</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net reduction in interest income</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>231</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 209</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 628</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DEPOSITS<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">DEPOSITS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 8. DEPOSITS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth the balance of the Company&#39;s deposits:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Demand:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Non-interest bearing</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>156,223</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 141,982</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Interest bearing</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,774</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 62,568</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Savings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>86,135</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 82,899</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Money market</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>215,870</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 195,410</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Certificates of deposit in denominations of $100,000 or more</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 43,762</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other time</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>280,393</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 289,799</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total deposits</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>835,734</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 816,420</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Interest expense on deposits consisted of the following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest bearing demand</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>116</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">153</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">176</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Savings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>181</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">256</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">397</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Money market</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>895</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,063</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,622</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Certificates of deposit in denominations of $100,000 or more</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>435</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">637</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">834</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other time</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,875</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,226</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,916</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total interest expense</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,502</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,335</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,945</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2012 maturing in the periods presented:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">OTHER TIME DEPOSITS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150,998</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>27,941</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,120</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,203</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>29,222</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>795</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,021</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>400</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,125</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2018 and after</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>44,907</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>280,393</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2012, are as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING IN:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Three months or less</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,235</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over three through six months</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,867</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over six through twelve months</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,839</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over twelve months</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,398</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EVSAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Investment Securities with Unrealized Losses) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">$ 9,031<span></span></td>
        <td class="nump">$ 3,774<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="nump">349<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">9,380<span></span></td>
        <td class="nump">3,774<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities available for sale: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2', window );">Less than 12 months</a></td>
        <td class="num">(118)<span></span></td>
        <td class="num">(35)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2', window );">12 months or longer</a></td>
        <td class="num">(2)<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2', window );">Total</a></td>
        <td class="num">(120)<span></span></td>
        <td class="num">(35)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">965<span></span></td>
        <td class="nump">1,991<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="nump">1,981<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">2,946<span></span></td>
        <td class="nump">1,991<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities held to maturity: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Less than 12 months</a></td>
        <td class="num">(35)<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">12 months or longer</a></td>
        <td class="num">(20)<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Total</a></td>
        <td class="num">(55)<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">993<span></span></td>
        <td class="nump">3,161<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">993<span></span></td>
        <td class="nump">3,161<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities available for sale: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2', window );">Less than 12 months</a></td>
        <td class="num">(7)<span></span></td>
        <td class="num">(28)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2', window );">12 months or longer</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2', window );">Total</a></td>
        <td class="num">(7)<span></span></td>
        <td class="num">(28)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">1,140<span></span></td>
        <td class="nump">613<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="nump">349<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">1,489<span></span></td>
        <td class="nump">613<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities available for sale: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2', window );">Less than 12 months</a></td>
        <td class="num">(8)<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2', window );">12 months or longer</a></td>
        <td class="num">(2)<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2', window );">Total</a></td>
        <td class="num">(10)<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">6,898<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">6,898<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities available for sale: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2', window );">Less than 12 months</a></td>
        <td class="num">(103)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2', window );">12 months or longer</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2', window );">Total</a></td>
        <td class="num">(103)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds And Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="nump">965<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="nump">1,981<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="nump">2,946<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities held to maturity: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Less than 12 months</a></td>
        <td class="num">(35)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">12 months or longer</a></td>
        <td class="num">(20)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Total</a></td>
        <td class="num">(55)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,991<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or longer</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,991<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract', window );"><strong>Investment securities held to maturity: UNREALIZED LOSSES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses', window );">Less than 12 months</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses', window );">12 months or longer</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses', window );">Total</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (9)<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_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the excess of amortized cost basis over fair value of securities that have been in a loss position for twelve months or longer for securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses2</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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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the excess of amortized cost basis over fair value of securities in a loss position and categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses2</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>credit</td>
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                    <td>instant</td>
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          <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_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
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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>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for securities categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses2</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>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
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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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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for twelve months or longer for those securities which are categorized 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 Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 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 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<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 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses</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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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses</nobr></td>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of securities categorized as held-to-maturity which are in an unrealized loss position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
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                  <tr>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValueAbstract</nobr></td>
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                    <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_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for those securities which are categorized 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 Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 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 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<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 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>debit</td>
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                <p>This item represents the fair value of securities categorized as held-to-maturity that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
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                <p>This item represents the fair value of securities categorized as held-to-maturity securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBXDK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2011</div>
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        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">$ 8,082<span></span></td>
        <td class="nump">$ 8,142<span></span></td>
        <td class="nump">$ 7,921<span></span></td>
        <td class="nump">$ 8,058<span></span></td>
        <td class="nump">$ 8,113<span></span></td>
        <td class="nump">$ 8,118<span></span></td>
        <td class="nump">$ 8,086<span></span></td>
        <td class="nump">$ 7,966<span></span></td>
        <td class="nump">$ 32,203<span></span></td>
        <td class="nump">$ 32,283<span></span></td>
        <td class="nump">$ 32,342<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_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="nump">550<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(625)<span></span></td>
        <td class="num">(1,250)<span></span></td>
        <td class="num">(550)<span></span></td>
        <td class="num">(1,175)<span></span></td>
        <td class="num">(600)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<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_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump">3,887<span></span></td>
        <td class="nump">3,649<span></span></td>
        <td class="nump">3,733<span></span></td>
        <td class="nump">3,674<span></span></td>
        <td class="nump">3,486<span></span></td>
        <td class="nump">3,524<span></span></td>
        <td class="nump">3,454<span></span></td>
        <td class="nump">3,105<span></span></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
        <td class="nump">13,967<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_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">10,373<span></span></td>
        <td class="nump">10,087<span></span></td>
        <td class="nump">10,067<span></span></td>
        <td class="nump">10,114<span></span></td>
        <td class="nump">10,359<span></span></td>
        <td class="nump">9,882<span></span></td>
        <td class="nump">9,877<span></span></td>
        <td class="nump">9,919<span></span></td>
        <td class="nump">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
        <td class="nump">39,697<span></span></td>
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        <td class="nump">1,046<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="nump">2,087<span></span></td>
        <td class="nump">2,243<span></span></td>
        <td class="nump">2,490<span></span></td>
        <td class="nump">2,310<span></span></td>
        <td class="nump">2,838<span></span></td>
        <td class="nump">1,752<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
        <td class="nump">1,362<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_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="nump">311<span></span></td>
        <td class="nump">597<span></span></td>
        <td class="nump">655<span></span></td>
        <td class="nump">678<span></span></td>
        <td class="nump">720<span></span></td>
        <td class="nump">744<span></span></td>
        <td class="nump">900<span></span></td>
        <td class="nump">489<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
        <td class="nump">80<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</a></td>
        <td class="nump">735<span></span></td>
        <td class="nump">1,307<span></span></td>
        <td class="nump">1,432<span></span></td>
        <td class="nump">1,565<span></span></td>
        <td class="nump">1,770<span></span></td>
        <td class="nump">1,566<span></span></td>
        <td class="nump">1,938<span></span></td>
        <td class="nump">1,263<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="nump">1,282<span></span></td>
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        <td class="nump">1,000,991<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="nump">979,076<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
        <td class="nump">948,974<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20,585<span></span></td>
        <td class="nump">20,100<span></span></td>
        <td class="nump">18,940<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_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(160)<span></span></td>
        <td class="num">(263)<span></span></td>
        <td class="nump">268<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_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,565<span></span></td>
        <td class="nump">6,055<span></span></td>
        <td class="nump">6,875<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,802<span></span></td>
        <td class="nump">23,470<span></span></td>
        <td class="nump">23,906<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,508<span></span></td>
        <td class="nump">2,948<span></span></td>
        <td class="nump">1,641<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,358<span></span></td>
        <td class="nump">880<span></span></td>
        <td class="nump">379<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</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,150<span></span></td>
        <td class="nump">2,068<span></span></td>
        <td class="nump">1,262<span></span></td>
      </tr>
      <tr class="re">
        <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">336,241<span></span></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">337,869<span></span></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">336,241<span></span></td>
        <td class="nump">337,869<span></span></td>
        <td class="nump">317,210<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Banking [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,499<span></span></td>
        <td class="nump">13,860<span></span></td>
        <td class="nump">12,252<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(615)<span></span></td>
        <td class="num">(3,312)<span></span></td>
        <td class="nump">4,982<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></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">585<span></span></td>
        <td class="nump">597<span></span></td>
        <td class="nump">663<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,970<span></span></td>
        <td class="nump">7,833<span></span></td>
        <td class="nump">7,463<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,729<span></span></td>
        <td class="nump">9,936<span></span></td>
        <td class="nump">470<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,044<span></span></td>
        <td class="nump">2,995<span></span></td>
        <td class="num">(27)<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</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,685<span></span></td>
        <td class="nump">6,941<span></span></td>
        <td class="nump">497<span></span></td>
      </tr>
      <tr class="re">
        <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">497,331<span></span></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">442,087<span></span></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">497,331<span></span></td>
        <td class="nump">442,087<span></span></td>
        <td class="nump">455,609<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Trust [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></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">35<span></span></td>
        <td class="nump">41<span></span></td>
        <td class="nump">60<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,784<span></span></td>
        <td class="nump">7,282<span></span></td>
        <td class="nump">6,286<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,387<span></span></td>
        <td class="nump">6,118<span></span></td>
        <td class="nump">6,013<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,432<span></span></td>
        <td class="nump">1,205<span></span></td>
        <td class="nump">333<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">487<span></span></td>
        <td class="nump">410<span></span></td>
        <td class="nump">111<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</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">945<span></span></td>
        <td class="nump">795<span></span></td>
        <td class="nump">222<span></span></td>
      </tr>
      <tr class="re">
        <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">4,429<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,917<span></span></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">4,429<span></span></td>
        <td class="nump">3,917<span></span></td>
        <td class="nump">3,520<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Investment/ Parent [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <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="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,916)<span></span></td>
        <td class="num">(1,718)<span></span></td>
        <td class="nump">1,090<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="num">(365)<span></span></td>
        <td class="nump">143<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,482<span></span></td>
        <td class="nump">2,616<span></span></td>
        <td class="nump">2,315<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,389)<span></span></td>
        <td class="num">(4,699)<span></span></td>
        <td class="num">(1,082)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,648)<span></span></td>
        <td class="num">(1,432)<span></span></td>
        <td class="num">(383)<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</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3,741)<span></span></td>
        <td class="num">(3,267)<span></span></td>
        <td class="num">(699)<span></span></td>
      </tr>
      <tr class="re">
        <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">$ 162,990<span></span></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">$ 195,203<span></span></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">$ 162,990<span></span></td>
        <td class="nump">$ 195,203<span></span></td>
        <td class="nump">$ 172,635<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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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>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<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 Concepts (CON)<br><br> -Number 6<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 18<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 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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> -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>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </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>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net 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;">
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                    <td>credit</td>
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          </td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>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;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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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>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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -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;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Provision charged for the period based on estimated losses to be realized from loan 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 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17<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 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 11<br><br> -Article 9<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="ID0E6GAC">
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          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess', window );">Three months or less</a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months', window );">Over six through twelve months</a></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months', window );">Over twelve months</a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
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        <td class="nump">$ 43,762<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, after twelve months from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from six months through twelve months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for three months or less from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess</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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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </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 contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from three months through six months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <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_DepositsAbstract</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_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<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 42<br><br> -Subparagraph a<br><br> -IssueDate 2008-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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<DOCUMENT>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETDAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Unearned income</a></td>
        <td class="nump">$ 637<span></span></td>
        <td class="nump">$ 452<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RealEstateConstructionLoansPercentage', window );">Real estate-construction loans, percentage</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="nump">1.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRelatedParties', window );">Related party loans</a></td>
        <td class="nump">$ 1<span></span></td>
        <td class="nump">$ 612<span></span></td>
      </tr>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Real estate-construction loans, percentage.</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>asrv_RealEstateConstructionLoansPercentage</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for 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> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph a(i-v)<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 AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph f<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 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<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 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5074-111524<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<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 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 23<br><br> -Subparagraph a(i)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952072&amp;loc=d3e45377-112738<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedParties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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> -Subparagraph j<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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph e<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 57<br><br> -Paragraph 2<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRelatedParties</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>
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                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAFAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation', window );">Accumulated benefit obligation</a></td>
        <td class="nump">$ 26,662<span></span></td>
        <td class="nump">$ 23,016<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_DefinedBenefitPlanAccumulatedBenefitObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 defined benefit pension plans, the actuarial present value of benefits (whether vested or nonvested) attributed by the pension benefit formula to employee service rendered before a specified date and based on employee service and compensation (if applicable) before that date. The accumulated benefit obligation differs from the projected benefit obligation in that it includes no assumption about future compensation levels. For plans with flat-benefit or nonpay-related pension benefit formulas, the accumulated benefit obligation and the projected benefit obligation are the same.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 Accumulated Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503844<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanDisclosureLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_DefinedBenefitPlanDisclosureLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="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>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EXYCI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Investment Securities by Contractual Maturity) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Investment securities available for sale: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">After 1 year but within 5 years</a></td>
        <td class="nump">12,840<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">After 5 years but within 10 years</a></td>
        <td class="nump">15,347<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">After 10 years but within 15 years</a></td>
        <td class="nump">58,603<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Over 15 years</a></td>
        <td class="nump">58,475<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_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Total</a></td>
        <td class="nump">145,265<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities available for sale: Yield</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">After 1 year but within 5 years</a></td>
        <td class="nump">2.73%<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_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">After 5 years but within 10 years</a></td>
        <td class="nump">3.18%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">After 10 years but within 15 years</a></td>
        <td class="nump">2.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Over 15 years</a></td>
        <td class="nump">2.89%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">2.91%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="nump">12,810<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="nump">16,127<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="nump">61,404<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="nump">61,197<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_AvailableForSaleSecuritiesDebtSecurities', window );">Total</a></td>
        <td class="nump">151,538<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Investment securities held to maturity: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Within 1 year</a></td>
        <td class="nump">2,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">After 1 year but within 5 years</a></td>
        <td class="nump">1,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">After 10 years but within 15 years</a></td>
        <td class="nump">410<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Over 15 years</a></td>
        <td class="nump">10,313<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_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount', window );">Total</a></td>
        <td class="nump">13,723<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities held to maturity: Yield</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Within 1 year</a></td>
        <td class="nump">1.46%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">After 1 year but within 5 years</a></td>
        <td class="nump">1.44%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">After 10 years but within 15 years</a></td>
        <td class="nump">2.92%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Over 15 years</a></td>
        <td class="nump">3.69%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">3.18%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="nump">1,981<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="nump">965<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="nump">416<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="nump">10,904<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValue', window );">Total</a></td>
        <td class="nump">14,266<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Investment securities available for sale: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">After 1 year but within 5 years</a></td>
        <td class="nump">4,848<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">After 5 years but within 10 years</a></td>
        <td class="nump">1,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Total</a></td>
        <td class="nump">5,848<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities available for sale: Yield</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">After 1 year but within 5 years</a></td>
        <td class="nump">1.42%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">After 5 years but within 10 years</a></td>
        <td class="nump">1.43%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">1.42%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="nump">4,918<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="nump">993<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableForSaleSecuritiesDebtSecurities', window );">Total</a></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency Mortgage-Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Investment securities available for sale: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">After 5 years but within 10 years</a></td>
        <td class="nump">14,347<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">After 10 years but within 15 years</a></td>
        <td class="nump">58,603<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_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Over 15 years</a></td>
        <td class="nump">58,475<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_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Total</a></td>
        <td class="nump">131,425<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities available for sale: Yield</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">After 5 years but within 10 years</a></td>
        <td class="nump">3.30%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">After 10 years but within 15 years</a></td>
        <td class="nump">2.90%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Over 15 years</a></td>
        <td class="nump">2.89%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">2.94%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="nump">15,134<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="nump">61,404<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="nump">61,197<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_AvailableForSaleSecuritiesDebtSecurities', window );">Total</a></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Investment securities held to maturity: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Over 15 years</a></td>
        <td class="nump">9,318<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_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount', window );">Total</a></td>
        <td class="nump">9,318<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities held to maturity: Yield</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Over 15 years</a></td>
        <td class="nump">3.65%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">3.65%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="nump">9,896<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_HeldToMaturitySecuritiesDebtMaturitiesFairValue', window );">Total</a></td>
        <td class="nump">9,896<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Investment securities available for sale: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">After 1 year but within 5 years</a></td>
        <td class="nump">7,992<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">After 5 years but within 10 years</a></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_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Total</a></td>
        <td class="nump">7,992<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities available for sale: Yield</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">After 1 year but within 5 years</a></td>
        <td class="nump">3.55%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">3.55%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities available for sale: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<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_AvailableForSaleSecuritiesDebtSecurities', window );">Total</a></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Investment securities held to maturity: COST BASIS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Within 1 year</a></td>
        <td class="nump">2,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">After 1 year but within 5 years</a></td>
        <td class="nump">1,000<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_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">After 10 years but within 15 years</a></td>
        <td class="nump">410<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Over 15 years</a></td>
        <td class="nump">995<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_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount', window );">Total</a></td>
        <td class="nump">4,405<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract', window );"><strong>Investment securities held to maturity: Yield</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Within 1 year</a></td>
        <td class="nump">1.46%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">After 1 year but within 5 years</a></td>
        <td class="nump">1.44%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">After 10 years but within 15 years</a></td>
        <td class="nump">2.92%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Over 15 years</a></td>
        <td class="nump">4.04%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Total</a></td>
        <td class="nump">2.17%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract', window );"><strong>Investment securities held to maturity: FAIR VALUE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Within 1 year</a></td>
        <td class="nump">1,981<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">After 1 year but within 5 years</a></td>
        <td class="nump">965<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">After 10 years but within 15 years</a></td>
        <td class="nump">416<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Over 15 years</a></td>
        <td class="nump">1,008<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_HeldToMaturitySecuritiesDebtMaturitiesFairValue', window );">Total</a></td>
        <td class="nump">$ 4,370<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years amortized cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYield</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years net carrying amount.</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>asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities maturities after ten through fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after ten through fifteen years net carrying amount.</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>asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held To Maturity Securities, Debt Maturities, Yield.</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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYield</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</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_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>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>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></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>Amount of available-for-sale debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>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 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of debt securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name 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 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)-(g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7534914&amp;loc=d3e22054-111558<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 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>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 (f)<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_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the fifth through tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>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 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <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 total of all debt securities grouped by maturity dates, at fair value, 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 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;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValue</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 5<br><br> -Subparagraph (d)<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_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmount</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="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 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue</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>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>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 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount</nobr></td>
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                    <td>us-gaap_</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5G">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Quantitative Information About Level 3 Fair Value Measurements) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">$ 1,228<span></span></td>
        <td class="nump">$ 124<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems</nobr></td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateAndForeclosedAssets">
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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>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> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 2, 3, 4<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherRealEstateAndForeclosedAssets</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELIAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock', window );">BUSINESS AND NATURE OF OPERATIONS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> BUSINESS AND NATURE OF OPERATIONS:</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.5 billion that are not recognized on the Company&#39;s Balance Sheet at December 31, 2012.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">PRINCIPLES OF CONSOLIDATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PRINCIPLES OF CONSOLIDATION:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#39;s most significant estimates are the allowance for loan losses, goodwill, income taxes and on investment securities.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">INVESTMENT SECURITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INVESTMENT SECURITIES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Securities are classified at the time of purchase as investment securities held to maturity if it is management&#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#39;s performance, the creditworthiness of the issuer and the Company&#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock', window );">FEDERAL HOME LOAN BANK STOCK</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> FEDERAL HOME LOAN BANK STOCK:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy', window );">LOANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOANS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">LOAN FEES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOAN FEES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">LOANS HELD FOR SALE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> LOANS HELD FOR SALE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">PREMISES AND EQUIPMENT</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> PREMISES AND EQUIPMENT:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy', window );">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</p> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 ($100,000 for loans classified as doubtful or worse) to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans is based on careful analysis of the loan&#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 21px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">-</td> <td style="TEXT-ALIGN: left">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</td> </tr> </table> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated 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. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueRecognitionServicesManagementFees', window );">TRUST FEES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> TRUST FEES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LifeSettlementContractsPolicy', window );">BANK-OWNED LIFE INSURANCE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> BANK-OWNED LIFE INSURANCE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">INTANGIBLE ASSETS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INTANGIBLE ASSETS:</h5> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Goodwill</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">EARNINGS PER COMMON SHARE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> EARNINGS PER COMMON SHARE:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 49,842, 185,917, and 1,467,142 shares of common stock were outstanding during 2012, 2011 and 2010, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $2.80&nbsp;-&nbsp;$5.75, $2.07&nbsp;-&nbsp;$6.10, and $1.73&nbsp;-&nbsp;$6.10 during 2012, 2011 and 2010, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">STOCK-BASED COMPENSATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> STOCK-BASED COMPENSATION:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $38,000, $15,000 and $18,000 of pretax compensation expense for the year 2012, 2011 and 2010. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model with the following assumptions used for the grants: risk-free interest rates ranging from 1.66% to 3.83%; expected lives of 10 years; expected volatility ranging from 33.26% to 35.77% and expected dividend yields of 0%.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">ACCUMULATED OTHER COMPREHENSIVE LOSS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> ACCUMULATED OTHER COMPREHENSIVE LOSS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">CONSOLIDATED STATEMENT OF CASH FLOWS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> CONSOLIDATED STATEMENT OF CASH FLOWS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $142,000 in income tax payments in 2012; $97,000 in 2011; and $174,000 in 2010. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $1,266,000 in 2012; $169,000 in 2011; and $788,000 in 2010. The Company made total interest payments of $8,154,000 in 2012; $10,699,000 in 2011; and $13,084,000 in 2010.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">INCOME TAXES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INCOME TAXES:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">INTEREST RATE CONTRACTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> INTEREST RATE CONTRACTS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company typically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</p> <!--EndFragment--></div> </div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">RECENT ACCOUNTING STANDARDS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> RECENT ACCOUNTING STANDARDS:</h5> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In July, 2012, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2012-02, <em>Intangibles&nbsp;-&nbsp;Goodwill and Other (Topic 350)&nbsp;-&nbsp;Testing Indefinite-Lived Intangible Assets for Impairment</em>. ASU 2012-02 give entities the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that an indefinite-lived intangible asset is impaired. If, after assessing the totality of events or circumstances, an entity determines it is more likely than not that an indefinite-lived intangible asset is impaired, then the entity must perform the quantitative impairment test. If, under the quantitative impairment test, the carrying amount of the intangible asset exceeds its fair value, an entity should recognize an impairment loss in the amount of that excess. Permitting an entity to assess qualitative factors when testing indefinite-lived intangible assets for impairment results in guidance that is similar to the goodwill impairment testing guidance in ASU 2011-08. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012 (early adoption permitted). This ASU did not have a significant impact on the Company&#39;s financial statements.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In February 2013, the FASB issued ASU 2013-02, <em>Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income</em>. The amendments in this Update require an entity to report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (GAAP) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about those amounts. For public entities, the amendments are effective prospectively for reporting periods beginning after December 15, 2012. Early adoption is permitted. The Company is currently evaluating the impact that these disclosures will have on its financial statements.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Business And Nature Of Operations, Policy [Policy Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank Stock, Policy [Policy Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Financial Reporting Release (FRR)<br><br> -Number 203<br><br> -Paragraph 02-03<br><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<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<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 Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Technical Practice Aid (TPA)<br><br> -Number 2110<br><br> -Paragraph 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 305<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2122427<br><br><br><br></p>
              </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>Disclosure of accounting policy for comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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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>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197480<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197087<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 18<br><br> -Paragraph 20<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 2-6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196966<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 40<br><br> -Section 45<br><br> -URI http://asc.fasb.org/section&amp;trid=2197723<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 18<br><br> -Paragraph 5, 6, 16-19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 4<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph k<br><br> -Article 1<br><br><br><br>Reference 10: 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 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=d3e5614-111684<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 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16385135&amp;loc=d3e33801-111570<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 14, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 4<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: 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 46<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.3A-02)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959686&amp;loc=d3e355033-122828<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 96-16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 17: 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 18: 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, 03<br><br> -Article 3A<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 97-2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ConsolidationPolicyTextBlock</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for its derivative instruments and hedging 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 133<br><br> -Paragraph 44<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph n<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 39<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41675-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<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 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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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>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<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 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 6, 8-16, 60<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144384<br><br><br><br></p>
              </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>Describes an entity's accounting policy and methodology for estimating its allowance for loan and lease losses, and its accounting policy for nonperforming loans. The description identifies the factors that influenced management of the entity in establishing the level of the allowance (for example, historical losses and existing economic conditions) and also may include discussion of the risk elements relevant to particular categories of receivables. The disclosure also may describe any liability the entity has recorded for off-balance sheet credit losses and may include the basis for determining each element of the allowance for loan and lease losses. The disclosure also could discuss the entity's policy for (1) placing loans on nonaccrual status (or discontinuing accrual of interest) and recording payments received on nonaccrual loans, and the policy for resuming accrual of interest, (2) charging-off uncollectible loans, and (3) determining past due or delinquency status (that is, whether past due status is based on how recently payments have been received or contractual terms).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5093-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5144-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for investment. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of commitment and other fees and loan origination costs (including, if applicable, how the entity accounts for fees and costs associated with credit cards that are either purchased or originated) (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition policies for such receivables, including those that are impaired, past due or placed on nonaccrual status (for impaired loans, the policy for recognizing interest income on such loans, including how cash receipts are recorded) and (7) the treatment of foreclosures or repossessions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5033-111524<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 21<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 3-5<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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5144-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 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 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 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5093-111524<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 91<br><br> -Paragraph 5-14, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 92-5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy</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>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for sale. This disclosure may include how the entity determines when to classify a loan or receivable as held for sale, the basis at which such receivables are carried in the entity's statements of financial position, how such receivables are valued, the method used to determine the lower of cost or fair value (that is, on an aggregate or individual asset basis), the treatment of commitment and other fees and origination costs, and how transfers to and from the held for investment portfolio are accounted for.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5093-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5144-111524<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 65<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144439<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 4, 11-23, 26, 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 350<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144471<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 7-18, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32809-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 48<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21917399&amp;loc=d3e32247-109318<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 4<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32840-109319<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 109<br><br> -Paragraph 6-34, 43, 47, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 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 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21917399&amp;loc=d3e32280-109318<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 954<br><br> -SubTopic 740<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144749<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144681<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxPolicyTextBlock</nobr></td>
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                    <td><strong> Period Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for investments in financial assets, including marketable securities (debt and equity securities with readily determinable fair values), investments accounted for under the equity method and cost method, securities borrowed and loaned, and repurchase and resale agreements. For marketable securities, the disclosure may include the entity's accounting treatment for transfers between investment categories and how the fair values for such securities are determined. Also, for all investments, an entity may describe its policy for assessing, recognizing and measuring impairment of the investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2,12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 10, 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872867&amp;loc=d3e40691-111596<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7-16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7491637&amp;loc=d3e13433-108611<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 2, 12<br><br> -Article 5<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 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 8: 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 7-18<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 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<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 323<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 5<br><br> -Section M<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentPolicyTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for life settlement contracts including the classification of cash receipts and cash disbursements 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>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6384222&amp;loc=d3e41925-111603<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 FTB85-4-1<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 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 325<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6385267&amp;loc=d3e42658-111610<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 325<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197121<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LifeSettlementContractsPolicy</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of the accounting policy for recognizing income earned net of related expenses incurred. Describes the fees to be received net of related costs pertaining to lending activities, including acquiring loans, issuing commitments to lend or participating in a loan syndication.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5033-111524<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 21<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 23<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph a(4)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 92-5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10178-111534<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</nobr></td>
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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>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                <p>Disclosure of the adoption of new accounting pronouncements that may impact the entity's financial reporting.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5144-111524<br><br><br><br></p>
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                <p>Disclosure of accounting policy for property, plant and equipment which may include the basis of such assets, depreciation methods used and estimated useful lives, the entity's capitalization policy, including its accounting treatment for costs incurred for repairs and maintenance activities, whether such asset balances include capitalized interest and the method by which such is calculated, how disposals of such assets are accounted for and how impairment of such assets is assessed and recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2155824<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 12, 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section C<br><br> -Paragraph 5<br><br> -Chapter 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 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 7<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>Disclosure of accounting policy for revenue recognition for management fee income, including those that contain a performance-based incentive fee which are based on a formula. This disclosure also may indicate whether the entity has recorded any revenue that is at risk due to future performance contingencies, the nature of contracts giving rise to the contingencies, and, if material, the amount of any such revenue recorded.</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 605<br><br> -SubTopic 20<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6784405&amp;loc=d3e220004-122787<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number D-96<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 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 SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section B<br><br> -Paragraph Question 1<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 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.B.Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6600647&amp;loc=d3e214044-122780<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>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>INTANGIBLE ASSETS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfGoodwillTextBlock', window );">Schedule of Goodwill</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance January 1</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,613</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,950</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Reduction from purchase price adjustment of WCCA</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 337</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance December 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,613</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,613</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
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                <p>Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>INCOME TAXES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">INCOME TAXES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 13. INCOME TAXES</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The expense for income taxes is summarized below:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Current</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>140</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">95</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">206</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deferred</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,101</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,758</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (126</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The reconciliation between the federal statutory tax rate and the Company&#39;s effective consolidated income tax rate is as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">AMOUNT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RATE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Income tax expense based on federal statutory rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,475</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>34.0%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,193</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34.0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">463</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34.0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Tax exempt income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(315)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(4.3)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (325</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3.5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (443</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (32.5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>81</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.1</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (15</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (0.1</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 60</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.4</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total expense for income taxes</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,241</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30.8%</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,853</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 30.4</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5.9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> DEFERRED TAX ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Allowance for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,274</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,972</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Unfunded commitment reserve</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>221</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">259</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Premises and equipment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,626</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,468</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Accrued pension obligation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,916</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,357</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Net operating loss carryforwards</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,883</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,300</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Alternative minimum tax credits</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,635</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,485</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>368</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 419</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total tax assets</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,923</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,260</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> DEFERRED TAX LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Investment accretion</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(28)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(34</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Unrealized investment security gains</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,133)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,295</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Other</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(295)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (250</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 30pt; VERTICAL-ALIGN: text-bottom"> Total tax liabilities</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,456)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,579</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net deferred tax asset</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,467</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,681</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> At December 31, 2012 and 2011, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The change in net deferred tax assets and liabilities consist of the following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Unrealized gains recognized in comprehensive income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>162</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,231</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Pension obligation of the defined benefit plan not yet recognized in income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>725</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">612</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deferred provision for income taxes</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(2,101)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,758</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Net decrease</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,214)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,377</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT --> </td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company has alternative minimum tax credit carryforwards of approximately $1.6 million at December 31, 2012. These credits have an indefinite carryforward period. The Company also has an $8.5 million net operating loss carryforward that will begin to expire in the year 2025.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&#39;s federal and state income tax returns for taxable years through 2008 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 136, 172<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 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 43, 44, 45, 46, 47, 48, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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<DOCUMENT>
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<SEQUENCE>125
<FILENAME>R115.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EEUAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>SHARES</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at beginning of year</a></td>
        <td class="nump">313,612<span></span></td>
        <td class="nump">257,287<span></span></td>
        <td class="nump">293,609<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></td>
        <td class="nump">164,241<span></span></td>
        <td class="nump">58,575<span></span></td>
        <td class="nump">105,041<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
        <td class="num">(1,500)<span></span></td>
        <td class="num">(750)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
        <td class="num">(77,982)<span></span></td>
        <td class="num">(1,500)<span></span></td>
        <td class="num">(141,363)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at end of year</a></td>
        <td class="nump">398,371<span></span></td>
        <td class="nump">313,612<span></span></td>
        <td class="nump">257,287<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at end of year</a></td>
        <td class="nump">167,624<span></span></td>
        <td class="nump">179,874<span></span></td>
        <td class="nump">118,571<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>WEIGHTED AVERAGE EXERCISE PRICE</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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at beginning of year</a></td>
        <td class="nump">$ 3.02<span></span></td>
        <td class="nump">$ 3.18<span></span></td>
        <td class="nump">$ 4.23<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted</a></td>
        <td class="nump">$ 2.73<span></span></td>
        <td class="nump">$ 2.25<span></span></td>
        <td class="nump">$ 1.78<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised</a></td>
        <td class="nump">$ 1.7<span></span></td>
        <td class="nump">$ 1.7<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited</a></td>
        <td class="nump">$ 5.47<span></span></td>
        <td class="nump">$ 1.7<span></span></td>
        <td class="nump">$ 4.31<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at end of year</a></td>
        <td class="nump">$ 2.43<span></span></td>
        <td class="nump">$ 3.02<span></span></td>
        <td class="nump">$ 3.18<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Options exercisable, weighted-average exercise price</a></td>
        <td class="nump">$ 2.29<span></span></td>
        <td class="nump">$ 3.81<span></span></td>
        <td class="nump">$ 4.79<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of options granted in current year</a></td>
        <td class="nump">$ 0.8<span></span></td>
        <td class="nump">$ 0.51<span></span></td>
        <td class="nump">$ 0.39<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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(2)(iii)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph c(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(2)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(c), d(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(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_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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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>Gross number of share options (or share units) granted during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td>na</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 number of shares reserved for issuance under stock option agreements awarded under the plan that validly exist and are outstanding as of the balance sheet date, including vested options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(b)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees can acquire the shares reserved for issuance on stock options awarded.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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                    <td><nobr>us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 share options (or share units) exercised during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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 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>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">STOCK COMPENSATION PLANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 18. STOCK COMPENSATION PLANS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company uses the modified perspective method for accounting for stock-based compensation and recognized $38,000 of pretax compensation expense for the year 2012, $15,000 in 2011 and $18,000 in 2010.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> During 2011, the Company&#39;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a stock option granted during 2012 may be exercised was not less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> A summary of the status of the Company&#39;s Stock Incentive Plan at December 31, 2012, 2011, and 2010, and changes during the years then ended is presented in the table and narrative following:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SHARES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Outstanding at beginning of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>313,612</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3.02</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 257,287</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.18</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 293,609</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.23</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Granted</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164,241</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.73</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 58,575</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 105,041</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.78</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Exercised</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,500)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1.70</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (750</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.70</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Forfeited</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(77,982)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>5.47</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,500</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1.70</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (141,363</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.31</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Outstanding at end of year</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>398,371</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.43</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 313,612</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.02</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 257,287</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.18</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Exercisable at end of year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>167,624</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2.29</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 179,874</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3.81</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 118,571</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4.79</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Weighted average fair value of options granted in current year</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0.80</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.51</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 0.39</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> A total of 167,624 of the 398,371 options outstanding at December 31, 2012, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.29 and a weighted average remaining contractual life of 6.34 years. All of these options are exercisable. The remaining 230,747 options that are not yet exercisable have exercise prices between $1.53 and $2.80, with a weighted average exercise price of $2.50 and a weighted average remaining contractual life of 8.82 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2012, 2011, and 2010.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> BLACK-SCHOLES ASSUMPTION RANGES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Risk-free interest rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> <strong>1.66&nbsp;-&nbsp;2.28%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 2.19&nbsp;-&nbsp;3.62</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 3.21&nbsp;-&nbsp;3.83</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected lives in years</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">10</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">10</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected volatility</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> <strong>33.26&nbsp;-&nbsp;35.77%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 35.03&nbsp;-&nbsp;35.25</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom"> 34.60&nbsp;-&nbsp;35.74</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Expected dividend rate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>0%</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">0</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
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                <p>The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E53AG">
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          <div style="width: 200px;"><strong>INCOME TAXES (Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 2,475<span></span></td>
        <td class="nump">$ 3,193<span></span></td>
        <td class="nump">$ 463<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_IncomeTaxReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(315)<span></span></td>
        <td class="num">(325)<span></span></td>
        <td class="num">(443)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">81<span></span></td>
        <td class="num">(15)<span></span></td>
        <td class="nump">60<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_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">$ 311<span></span></td>
        <td class="nump">$ 597<span></span></td>
        <td class="nump">$ 655<span></span></td>
        <td class="nump">$ 678<span></span></td>
        <td class="nump">$ 720<span></span></td>
        <td class="nump">$ 744<span></span></td>
        <td class="nump">$ 900<span></span></td>
        <td class="nump">$ 489<span></span></td>
        <td class="nump">$ 2,241<span></span></td>
        <td class="nump">$ 2,853<span></span></td>
        <td class="nump">$ 80<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_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract', window );"><strong>RATE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">34.00%<span></span></td>
        <td class="nump">34.00%<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_EffectiveIncomeTaxRateReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4.30%)<span></span></td>
        <td class="num">(3.50%)<span></span></td>
        <td class="num">(32.50%)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.10%<span></span></td>
        <td class="num">(0.10%)<span></span></td>
        <td class="nump">4.40%<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_EffectiveIncomeTaxRateContinuingOperations', window );">Total expense for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">30.80%<span></span></td>
        <td class="nump">30.40%<span></span></td>
        <td class="nump">5.90%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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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>A ratio calculated by dividing the reported amount of income tax expense attributable to continuing operations for the period by GAAP-basis pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateContinuingOperations</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The domestic federal statutory tax rate applicable under enacted tax laws to the Company's pretax income from continuing operations for the period. The "statutory" tax rate is the regular tax rate if there are alternative tax systems.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 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 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<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)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td>na</td>
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          </td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference between the effective income tax rate and domestic federal statutory income tax rate attributable to all other items not otherwise listed in the existing taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference between the effective income tax rate and domestic federal statutory income tax rate attributable to income that is exempt from income taxes under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br></p>
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                <p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p>
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                <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 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 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 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
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                <p>The sum of other amounts reflected in the reconciliation of the statutory tax provision (benefit) to the actual tax provision (benefit).</p>
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                <p>The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to income that is exempt from income taxes under enacted tax laws.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>PREFERRED STOCK (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDividendsPayableTextBlock', window );">Schedule of Annualized Preferred Stock Dividends</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-top; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="384"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DIVIDEND PERIOD ANNUALIZED</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom" rowspan="2"><!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" rowspan="2">ANNUALIZED<br /> DIVIDEND RATE</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> BEGINNING</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> ENDING</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">August 11, 2011</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2011</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2012</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2013</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2014</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">February 7, 2016</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 7.0%<sup>(1)</sup></td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">February 8, 2016</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">Redemption</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">9.0%<sup>(2)</sup></td> </tr> </table> </div> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(1)</td> <td style="TEXT-ALIGN: left">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td> </tr> </table> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; MARGIN: 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="100%"> <tr style="TEXT-ALIGN: left; LINE-HEIGHT: 12pt; FONT-STYLE: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal"> <td style="WIDTH: 1px">&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 20px">(2)</td> <td style="TEXT-ALIGN: left">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of all or some of the information related to dividends declared, but not paid, as of the financial reporting date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYKAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension cost</a></td>
        <td class="nump">$ 2,229<span></span></td>
        <td class="nump">$ 1,741<span></span></td>
        <td class="nump">$ 1,520<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract', window );"><strong>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN 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>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax', window );">Net loss</a></td>
        <td class="nump">2,376<span></span></td>
        <td class="nump">3,090<span></span></td>
        <td class="nump">1,895<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax', window );">Recognized loss</a></td>
        <td class="num">(1,094)<span></span></td>
        <td class="num">(800)<span></span></td>
        <td class="num">(705)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationPensionAndOtherPostretirementBenefitPlansNetPriorServiceCostRecognizedInNetPeriodicBenefitCostBeforeTax', window );">Recognized prior service cost</a></td>
        <td class="nump">19<span></span></td>
        <td class="num">(7)<span></span></td>
        <td class="num">(15)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostBeforeTax', window );">Recognized net initial asset</a></td>
        <td class="nump">17<span></span></td>
        <td class="nump">17<span></span></td>
        <td class="nump">17<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_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive income (loss) before tax effect</a></td>
        <td class="nump">1,318<span></span></td>
        <td class="nump">2,300<span></span></td>
        <td class="nump">1,192<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_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax', window );">Total recognized in net benefit cost and other comprehensive income (loss) before tax effect</a></td>
        <td class="nump">$ 3,547<span></span></td>
        <td class="nump">$ 4,041<span></span></td>
        <td class="nump">$ 2,712<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_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount recognized in net periodic benefit cost and other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_DefinedBenefitPlanDisclosureLineItems">
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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_DefinedBenefitPlanDisclosureLineItems</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>
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                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="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_OtherComprehensiveIncomeLossAmortizationPensionAndOtherPostretirementBenefitPlansNetPriorServiceCostRecognizedInNetPeriodicBenefitCostBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax amount of the income statement impact of the reclassification adjustment for prior service costs recognized as a component of net period benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 19, 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 4<br><br> -Subparagraph c, d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 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 10A<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossAmortizationPensionAndOtherPostretirementBenefitPlansNetPriorServiceCostRecognizedInNetPeriodicBenefitCostBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax amount, net of reclassifications, of pension and other postretirement benefit plans (gain) loss included in accumulated 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 Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax amount of the (increase) decrease in the value of the projected benefit obligation and the increase (decrease) in the value of the plan assets resulting from experience different from that assumed or from a change in an actuarial assumption that has not been recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax amount of the income statement impact of the reclassification adjustment for the net transition asset (obligation) recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e716-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e709-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 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 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostBeforeTax</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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax amount of the income statement impact of the reclassification adjustment for actuarial gain (loss) recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e689-108580<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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          <div style="width: 200px;"><strong>DEPOSITS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
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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_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfDepositLiabilitiesTableTextBlock', window );">Schedule of Balances of Deposits</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Demand:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Non-interest bearing</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>156,223</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 141,982</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Interest bearing</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>61,774</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 62,568</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Savings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>86,135</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 82,899</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Money market</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>215,870</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 195,410</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Certificates of deposit in denominations of $100,000 or more</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 43,762</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other time</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>280,393</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 289,799</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total deposits</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>835,734</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 816,420</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock', window );">Schedule of Interest Expense on Deposits</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest bearing demand</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>116</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">153</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">176</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Savings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>181</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">256</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">397</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Money market</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>895</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,063</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,622</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Certificates of deposit in denominations of $100,000 or more</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>435</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">637</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">834</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Other time</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,875</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 6,226</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,916</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total interest expense</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,502</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,335</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 10,945</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock', window );">Schedule of Maturity of Balances of Other Time Deposits and Certificates of Deposit of $100,000 or More</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> YEAR:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">OTHER TIME DEPOSITS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2013</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150,998</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>27,941</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2014</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,120</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,203</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2015</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>29,222</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>795</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2016</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,021</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>400</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2017</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,125</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> 2018 and after</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>44,907</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>280,393</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock', window );">Schedule of Maturity of Certificates of Deposits of $100,000 or More</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> MATURING IN:</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Three months or less</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,235</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over three through six months</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,867</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over six through twelve months</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,839</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Over twelve months</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,398</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>35,339</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
    </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Deposit Liabilities [Table Text Block].</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>asrv_ScheduleOfDepositLiabilitiesTableTextBlock</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>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Maturities of Time Deposits of $100,000 or More [Table Text Block].</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>
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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>Schedule Of Maturities Of Time Deposits [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><nobr>asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
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        </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_DepositsAbstract</nobr></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for interest income and interest expense for enterprises that derive a significant portion of their revenue from interest collected on investments, loans, and securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-12)<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 1 - 9<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;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock</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>nonnum:textBlockItemType</td>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EE4AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details) (Pension Plans [Member])<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="nump">100.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member]</div>
        </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_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">22.00%<span></span></td>
        <td class="nump">19.00%<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mutual Funds/ETFs [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">63.00%<span></span></td>
        <td class="nump">71.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Equity Securities [Member]</div>
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        <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_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member]</div>
        </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_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">13.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Ameriserv Financial, Inc. Common Stock [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">2.90%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of fair value of investments (categorized by debt securities, equity securities, real estate and other plan assets) to the fair value of plan assets held.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e2446-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph d(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</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>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>COMPREHENSIVE INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
        <td class="nump">$ 1,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract', window );"><strong>Other comprehensive income (loss), before tax:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent', window );">Pension obligation change for defined benefit plan</a></td>
        <td class="num">(2,128)<span></span></td>
        <td class="num">(1,802)<span></span></td>
        <td class="num">(1,031)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Income tax effect</a></td>
        <td class="nump">725<span></span></td>
        <td class="nump">612<span></span></td>
        <td class="nump">352<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized holding gains (losses) on available for sale securities arising during period</a></td>
        <td class="num">(466)<span></span></td>
        <td class="nump">3,266<span></span></td>
        <td class="nump">446<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Income tax effect</a></td>
        <td class="nump">158<span></span></td>
        <td class="num">(1,110)<span></span></td>
        <td class="num">(152)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeBeforeTax', window );">Reclassification adjustment for losses (gains) on available for sale securities included in net income</a></td>
        <td class="num">(12)<span></span></td>
        <td class="nump">358<span></span></td>
        <td class="num">(157)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax', window );">Income tax effect</a></td>
        <td class="nump">4<span></span></td>
        <td class="num">(122)<span></span></td>
        <td class="nump">53<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_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(1,719)<span></span></td>
        <td class="nump">1,202<span></span></td>
        <td class="num">(489)<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_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">$ 3,320<span></span></td>
        <td class="nump">$ 7,739<span></span></td>
        <td class="nump">$ 793<span></span></td>
      </tr>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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> -Glossary Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=16317811<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e557-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A5<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_ComprehensiveIncomeNetOfTax</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxAbstract</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><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 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 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 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> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 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 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 10, 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<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> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 87-21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 95<br><br><br><br> -Paragraph 28, 29, 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 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 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e565-108580<br><br><br><br><br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A7<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </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>Before tax amount, net of reclassification adjustments, of the increase (decrease) in accumulated other comprehensive income (loss) related to pension and other postretirement benefit plans, attributable to the parent 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect, net of reclassification adjustments, of the change in accumulated other comprehensive income (loss) related to pension and other postretirement benefit plans, attributable to the parent 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net of tax amount of other comprehensive income (loss) attributable to the parent 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<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 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 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 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</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>Before tax amount of the income statement impact of the reclassification adjustment for unrealized gain (loss) realized upon the sale of 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Reclassification Adjustments<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<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 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (d)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<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 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 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 130<br><br><br><br> -Paragraph 24<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 18, 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 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 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 17<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e716-108580<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 220<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=20435746&amp;loc=d3e689-108580<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 220<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=20435746&amp;loc=d3e709-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect of the income statement impact of the reclassification adjustment for unrealized gain (loss) realized upon the sale of 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><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 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name 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 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e689-108580<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 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e640-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Before tax and reclassification adjustments amount of unrealized holding gain (loss) 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;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 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 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 24<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</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>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;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e,f)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name 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 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e640-108580<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 Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<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_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</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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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EVYAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2005

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2004

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</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_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds', window );">Overnight borrowing capability at the FHLB</a></td>
        <td class="nump">$ 307,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable', window );">Unsecured federal funds lines with correspondent banks</a></td>
        <td class="nump">81,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, principal amount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">34,500,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8.45%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Maturity date</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Jun. 30,
         2028<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentCallDateEarliest', window );">Earliest redemption date</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Jun. 30,
         2003<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Unamortized deferred issuance costs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">240,000<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_EarlyRepaymentOfSubordinatedDebt', window );">Early redemption of debt</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,500,000<span></span></td>
        <td class="nump">22,500,000<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">$ 13,085,000<span></span></td>
        <td class="nump">$ 13,085,000<span></span></td>
        <td class="nump">$ 13,100,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earliest date before maturity when the issuer can call the outstanding debt instrument for repayment or conversion to equity, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 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 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </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_DebtInstrumentCallDateEarliest</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 stated principal amount of the debt instrument at time of issuance, which may vary from the carrying amount because of unamortized premium or discount.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><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 835<br><br> -SubTopic 30<br><br> -Section 55<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584090&amp;loc=d3e28878-108400<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 21<br><br> -Paragraph 16, 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentFaceAmount</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>Interest rate stated in the contractual debt 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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 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 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <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_DebtInstrumentLineItems</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date when the debt instrument is scheduled to be fully repaid, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" 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 22<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 210.5-02.22(a)(2))<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, 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_DebtInstrumentMaturityDate</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 21<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<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 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredFinanceCostsNet</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the repayment of long-term borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets before its 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 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<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 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarlyRepaymentOfSubordinatedDebt</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds">
        <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>Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 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 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<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_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 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 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Subparagraph b<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_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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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>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> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<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 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22)<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 Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<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_JuniorSubordinatedNotes</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CASH AND DUE FROM BANKS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>CASH AND DUE FROM BANKS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">CASH AND DUE FROM BANKS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 2. CASH AND DUE FROM DEPOSITORY INSTITUTIONS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Included in "Cash and due from depository institutions" are required federal reserves of $0 and $150,000 at December 31, 2012 and 2011, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section H<br><br> -Subsection 3<br><br><br><br>Reference 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 Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 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 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 6.H.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13728-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6CAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
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        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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        <td class="num">$ (8,116)<span></span></td>
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        <td class="num">$ (5,379)<span></span></td>
        <td class="num">$ (3,660)<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e681-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669686-108580<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 total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669686-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e681-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<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 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (j-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669646-108580<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 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>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669686-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e681-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 7: 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 8: 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></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="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract', window );"><strong>Demand:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDomesticDepositDemand', window );">Non-interest bearing</a></td>
        <td class="nump">$ 156,223<span></span></td>
        <td class="nump">$ 141,982<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_InterestBearingDomesticDepositDemand', window );">Interest bearing</a></td>
        <td class="nump">61,774<span></span></td>
        <td class="nump">62,568<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings</a></td>
        <td class="nump">86,135<span></span></td>
        <td class="nump">82,899<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market</a></td>
        <td class="nump">215,870<span></span></td>
        <td class="nump">195,410<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump">35,339<span></span></td>
        <td class="nump">43,762<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Other time</a></td>
        <td class="nump">280,393<span></span></td>
        <td class="nump">289,799<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">$ 835,734<span></span></td>
        <td class="nump">$ 816,420<span></span></td>
      </tr>
    </table>
    <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>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<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-DEP<br><br> -Paragraph 37, 38, 39<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
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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>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 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> -Subparagraph a(i)<br><br> -Chapter V<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsMoneyMarketDeposits</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 6<br><br> -IssueDate 2006-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsSavingsDeposits</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in interest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand 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 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 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_InterestBearingDomesticDepositDemand</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand 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 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 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_NoninterestBearingDomesticDepositDemand</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<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 42<br><br> -Subparagraph a<br><br> -IssueDate 2008-05-01<br><br> -Chapter 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_TimeDepositsLessThan100000">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositsLessThan100000</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EEOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details) (Pension Plans [Member])<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract', window );"><strong>WEIGHTED AVERAGE ASSUMPTIONS:</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_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Discount rate</a></td>
        <td class="nump">4.75%<span></span></td>
        <td class="nump">5.25%<span></span></td>
        <td class="nump">5.75%<span></span></td>
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        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
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      <tr class="re">
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        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest rate used to adjust for the time value of money.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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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>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br></p>
              </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>Expected rate of compensation increases (for pay-related plans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915506&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E4DBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Loan Portfolio and Allowance for Loan Loss by Primary Segments) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">$ 4,806<span></span></td>
        <td class="nump">$ 3,870<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">716,359<span></span></td>
        <td class="nump">659,867<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">721,165<span></span></td>
        <td class="nump">663,737<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump">1,586<span></span></td>
        <td class="nump">968<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_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">10,985<span></span></td>
        <td class="nump">13,655<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <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_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">12,571<span></span></td>
        <td class="nump">14,623<span></span></td>
        <td class="nump">19,765<span></span></td>
        <td class="nump">19,685<span></span></td>
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          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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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_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">102,822<span></span></td>
        <td class="nump">83,124<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">102,822<span></span></td>
        <td class="nump">83,124<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="nump">3,851<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Loans Secured by Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">4,793<span></span></td>
        <td class="nump">3,870<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">378,546<span></span></td>
        <td class="nump">345,908<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">383,339<span></span></td>
        <td class="nump">349,778<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump">1,586<span></span></td>
        <td class="nump">968<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">6,210<span></span></td>
        <td class="nump">8,432<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">7,796<span></span></td>
        <td class="nump">9,400<span></span></td>
        <td class="nump">12,717<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">217,584<span></span></td>
        <td class="nump">212,663<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">217,584<span></span></td>
        <td class="nump">212,663<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="nump">1,117<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">13<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">17,407<span></span></td>
        <td class="nump">18,172<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total loans</a></td>
        <td class="nump">17,420<span></span></td>
        <td class="nump">18,172<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="nump">206<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Allocation for General Risk [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">760<span></span></td>
        <td class="nump">1,414<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">$ 760<span></span></td>
        <td class="nump">$ 1,414<span></span></td>
        <td class="nump">$ 1,874<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 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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                <p>The balance of financing receivables that were collectively evaluated for impairment.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
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                <p>The balance of financing receivables that were individually evaluated for impairment.</p>
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                <p>Amount before allowance and after 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>
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                <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> -Subparagraph e<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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 116<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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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_asrv_DividendReinvestmentAndCommonStockPurchasePlanTextBlock', window );">DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 19. DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The Company&#39;s Dividend Reinvestment and Common Stock Purchase Plan (the Purchase Plan) provides each record holder of Common Stock with a simple and convenient method of purchasing additional shares without payment of any brokerage commissions, service charges or other similar expense. A participant in the Purchase Plan may purchase shares of Common Stock by electing either to (1) reinvest dividends on all of his or her shares of Common Stock (if applicable) or (2) make optional cash payments of not less than $10 and up to a maximum of $2,000 per month and continue to receive regular dividend payments on his or her other shares. A participant may withdraw from the Purchase Plan at any time.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> In the case of purchases from AmeriServ Financial, Inc. of treasury or newly-issued shares of Common Stock, the average market price is determined by averaging the high and low sale price of the Common Stock as reported on the NASDAQ on the relevant investment date. During 2012, the Company issued no shares and at December 31, 2012 had 3,355 unissued reserved shares available under the Purchase Plan. In the case of purchases of shares of Common Stock on the open market, the average market price will be the weighted average purchase price of shares purchased for the Purchase Plan in the market for the relevant investment date.</p> <!--EndFragment--></div> </div><span></span></td>
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                <p>Dividend reinvestment and common stock purchase plan.</p>
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    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
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    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EILAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DIVIDEND REINVESTMENT AND COMMON STOCK PURCHASE PLAN (Details) (USD $)<br></strong></div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">3,355<span></span></td>
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          <div class="a">Minimum [Member]</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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                <p>Stock Purchase Plan, Optional Amount Of Cash Payment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate number of common shares reserved for future issuance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EV3BG">
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 9,878<span></span></td>
        <td class="nump">$ 10,030<span></span></td>
        <td class="nump">$ 9,885<span></span></td>
        <td class="nump">$ 10,124<span></span></td>
        <td class="nump">$ 10,346<span></span></td>
        <td class="nump">$ 10,492<span></span></td>
        <td class="nump">$ 10,530<span></span></td>
        <td class="nump">$ 10,596<span></span></td>
        <td class="nump">$ 39,917<span></span></td>
        <td class="nump">$ 41,964<span></span></td>
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        <td class="nump">1,964<span></span></td>
        <td class="nump">2,066<span></span></td>
        <td class="nump">2,233<span></span></td>
        <td class="nump">2,374<span></span></td>
        <td class="nump">2,444<span></span></td>
        <td class="nump">2,630<span></span></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
        <td class="nump">12,489<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump">8,082<span></span></td>
        <td class="nump">8,142<span></span></td>
        <td class="nump">7,921<span></span></td>
        <td class="nump">8,058<span></span></td>
        <td class="nump">8,113<span></span></td>
        <td class="nump">8,118<span></span></td>
        <td class="nump">8,086<span></span></td>
        <td class="nump">7,966<span></span></td>
        <td class="nump">32,203<span></span></td>
        <td class="nump">32,283<span></span></td>
        <td class="nump">32,342<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision (credit) for loan losses</a></td>
        <td class="nump">550<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(625)<span></span></td>
        <td class="num">(1,250)<span></span></td>
        <td class="num">(550)<span></span></td>
        <td class="num">(1,175)<span></span></td>
        <td class="num">(600)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
        <td class="nump">5,250<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after Provision (Credit) for Loan Losses</a></td>
        <td class="nump">7,532<span></span></td>
        <td class="nump">8,342<span></span></td>
        <td class="nump">8,421<span></span></td>
        <td class="nump">8,683<span></span></td>
        <td class="nump">9,363<span></span></td>
        <td class="nump">8,668<span></span></td>
        <td class="nump">9,261<span></span></td>
        <td class="nump">8,566<span></span></td>
        <td class="nump">32,978<span></span></td>
        <td class="nump">35,858<span></span></td>
        <td class="nump">27,092<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump">3,887<span></span></td>
        <td class="nump">3,649<span></span></td>
        <td class="nump">3,733<span></span></td>
        <td class="nump">3,674<span></span></td>
        <td class="nump">3,486<span></span></td>
        <td class="nump">3,524<span></span></td>
        <td class="nump">3,454<span></span></td>
        <td class="nump">3,105<span></span></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
        <td class="nump">13,967<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">10,373<span></span></td>
        <td class="nump">10,087<span></span></td>
        <td class="nump">10,067<span></span></td>
        <td class="nump">10,114<span></span></td>
        <td class="nump">10,359<span></span></td>
        <td class="nump">9,882<span></span></td>
        <td class="nump">9,877<span></span></td>
        <td class="nump">9,919<span></span></td>
        <td class="nump">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
        <td class="nump">39,697<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">1,046<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="nump">2,087<span></span></td>
        <td class="nump">2,243<span></span></td>
        <td class="nump">2,490<span></span></td>
        <td class="nump">2,310<span></span></td>
        <td class="nump">2,838<span></span></td>
        <td class="nump">1,752<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
        <td class="nump">1,362<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision (benefit) for income taxes</a></td>
        <td class="nump">311<span></span></td>
        <td class="nump">597<span></span></td>
        <td class="nump">655<span></span></td>
        <td class="nump">678<span></span></td>
        <td class="nump">720<span></span></td>
        <td class="nump">744<span></span></td>
        <td class="nump">900<span></span></td>
        <td class="nump">489<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
        <td class="nump">80<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump">$ 735<span></span></td>
        <td class="nump">$ 1,307<span></span></td>
        <td class="nump">$ 1,432<span></span></td>
        <td class="nump">$ 1,565<span></span></td>
        <td class="nump">$ 1,770<span></span></td>
        <td class="nump">$ 1,566<span></span></td>
        <td class="nump">$ 1,938<span></span></td>
        <td class="nump">$ 1,263<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
        <td class="nump">$ 1,282<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.07<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.08<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
      <tr class="re">
        <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</a></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.07<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.08<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<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_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared per common share</a></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<span></span></td>
        <td class="nump">$ 0.0<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_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td 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_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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
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                  </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_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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_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>
                  </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>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher 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_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>
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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_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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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_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>
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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_ProvisionForLoanLossesExpensed">
        <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>Provision charged for the period based on estimated losses to be realized from loan 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 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 17<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 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 11<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_ProvisionForLoanLossesExpensed</nobr></td>
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                    <td>us-gaap_</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EWCAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Performing and Non-Performing Outstanding Balances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member] | Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">$ 216,393<span></span></td>
        <td class="nump">$ 211,458<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">17,407<span></span></td>
        <td class="nump">18,172<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member] | Consumer and Real Estate- Mortgage Portfolio Segment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">233,800<span></span></td>
        <td class="nump">229,630<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member] | Real Estate- Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">1,191<span></span></td>
        <td class="nump">1,205<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">13<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member] | Consumer and Real Estate- Mortgage Portfolio Segment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Portfolio balance</a></td>
        <td class="nump">$ 1,204<span></span></td>
        <td class="nump">$ 1,205<span></span></td>
      </tr>
    </table>
    <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>
        </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_FinancingReceivableRecordedInvestmentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or 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 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<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_NotesReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
      </table>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>144
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYDAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
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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_LoansAndLeasesReceivableAllowanceAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCreditLossesRelatedToFinancingReceivablesCurrentAndNoncurrentTableTextBlock', window );">Schedule of Changes in Allowance for Loan Losses</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="554"><!--StartFragment--> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">YEAR ENDED DECEMBER 31,<br /> 2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance January 1</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,685</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Provision (credit) for loan losses</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,250</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Recoveries on loans previously charged-off</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">461</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans charged-off</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (5,631</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Balance December 31</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <!--EndFragment--></table> </div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock', window );">Schedule of Changes in Allowance for Loan Losses by Portfolio Segment</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CHARGE-<br /> OFFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOVERIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PROVISION (CREDIT)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2012</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,365</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(345)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>138</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>438</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>9,400</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(796)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>245</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,053)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,796</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate- mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,270</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(420)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>54</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>365</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>174</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(200)</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>129</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Allocation for general risk</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,414</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(654)</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,623</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(1,761)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>484</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>(775)</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,571</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2010</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CHARGE-<br /> OFFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOVERIES</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PROVISION (CREDIT)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">BALANCE AT DECEMBER 31, 2011</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,851</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (953</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">831</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,364</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,717</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,700</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">331</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (1,948</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,400</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate- mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,117</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">(85</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">53</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">185</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">206</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (203</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">159</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">12</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">174</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Allocation for general risk</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,874</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (460</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 20pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,765</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (2,941</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,374</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> (3,575</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> )<!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,623</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of Loan Portfolio and Allowance for Loan Loss by Primary Segments</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Individually evaluated for impairment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,793</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,806</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Collectively evaluated for impairment</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>378,546</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,407</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,359</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Specific reserve allocation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> General reserve allocation</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,210</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,985</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total allowance for loan losses</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,596</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,796</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,269</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>150</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>760</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>12,571</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Individually evaluated for impairment</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Collectively evaluated for impairment</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 345,908</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 659,867</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CONSUMER</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Specific reserve allocation</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">968</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">968</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> General reserve allocation</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,432</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 174</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 13,655</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total allowance for loan losses</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,365</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 9,400</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,270</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 174</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,414</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,623</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Schedule of Impaired Loans</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">DECEMBER 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RELATED ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,239</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>554</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,793</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,850</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,23</strong>9</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,586</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>567</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,806</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,863</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">DECEMBER 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RELATED ALLOWANCE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">RECOREDED INVESTMENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,836</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 968</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,034</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,844</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,836</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 968</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,034</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,870</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,844</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2012</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2011</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">2010</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average impaired balance:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">503</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,591</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,754</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,479</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 14,611</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Average investment in impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,770</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 4,982</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,202</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recognized:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">17</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">90</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 150</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 368</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Interest income recognized on a cash basis on impaired loans</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 167</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 458</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Schedule of Classes of Loan Portfolio</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PASS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SPECIAL MENTION</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SUBSTANDARD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DOUBTFUL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>99,886</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>28</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,908</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>343,885</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,836</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,010</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,608</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>443,771</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>20,864</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>19,918</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,608</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>486,161</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PASS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SPECIAL MENTION</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">SUBSTANDARD</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">DOUBTFUL</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 80,175</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,186</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">763</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 305,066</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 28,138</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 16,244</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 330</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 385,241</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 30,324</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 17,007</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 330</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 432,902</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> It is the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="616"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PERFORMING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>216,393</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,191</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,407</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>233,800</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,204</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">PERFORMING</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 211,458</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 229,630</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,205</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Schedule of Classes of Loan Portfolio Summarized by Aging Categories</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27">December 31, 2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CURRENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL<br /> PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL LOANS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,775</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>47</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>102,822</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>379,834</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,545</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,505</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>383,339</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>213,300</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,240</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>303</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>741</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>4,284</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>217,584</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,371</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>16</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>33</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>49</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>17,420</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>713,280</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>3,256</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,928</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>1,701</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>7,885</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>721,165</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="27">December 31, 2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CURRENT</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL PAST DUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">TOTAL LOANS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 83,124</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Commercial loans secured by real estate</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 347,671</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">650</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 1,457</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,107</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 349,778</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Real estate-mortgage</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 209,060</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,133</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">629</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">841</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,603</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 212,663</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">-</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Consumer</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,115</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 57</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 57</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 18,172</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="BORDER-BOTTOM: white 3pt double; TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Total</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 657,970</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,840</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 629</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,298</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 5,767</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 663,737</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER -->&nbsp;</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> -</td> <td style="BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Credit Losses Related To Financing Receivables By Segment [Table Text Block].</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>asrv_ScheduleOfCreditLossesRelatedToFinancingReceivablesBySegmentTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
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                  <tr>
                    <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_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Period Type:</strong></td>
                    <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_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953659-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7880640&amp;loc=SL6953803-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivablesTableTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <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_LoansAndLeasesReceivableAllowanceAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_LoansAndLeasesReceivableAllowanceAbstract</nobr></td>
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                <p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953401-111524<br><br><br><br></p>
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                <p>Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsDisclosureTextBlock', window );">DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 0pt; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 5pt"> 12. DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</h2> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&#39;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2012 and 2011, were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="19">2012</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Carrying Value</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">Fair Value</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 1)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 2)</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">(Level 3)</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,820</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities - AFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>151,538</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities - HTM</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>13,723</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>14,266</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>11,321</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,94</strong>5</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Regulatory stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>6,304</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans held for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,576</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,722</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>10,722</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of allowance for loan loss and unearned income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>708,594</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,756</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>716,756</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued income receivable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,960</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Bank owned life insurance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>36,214</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with no stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>520,002</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --><strong>$</strong></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>315,732</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>320,930</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>320,930</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>15,660</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> All other borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>26,085</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,442</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>30,442</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued interest payable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>2,083</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>164</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> <strong>-</strong></td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; FONT-VARIANT: normal; FONT-STYLE: normal; TEXT-INDENT: 0px; MARGIN: -24pt 0pt 0pt; PADDING-LEFT: 0pt; PADDING-RIGHT: 0pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-SIZE: 10pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: normal; PADDING-TOP: 3pt" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; WIDTH: 12px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="7">2011</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">FAIR VALUE</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold" colspan="3">CARRYING VALUE</td> </tr> <tr> <td style="TEXT-ALIGN: left; LINE-HEIGHT: normal; FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold"> &nbsp;</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL ASSETS:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Cash and cash equivalents</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34,783</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 34,783</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities - AFS</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 182,923</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Investment securities - HTM</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,914</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 12,280</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Regulatory stock</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 8,016</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans held for sale</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,195</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 7,110</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Loans, net of allowance for loan loss and unearned income</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 655,357</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 649,114</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued income receivable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,216</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 3,216</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Bank owned life insurance</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 35,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 35,351</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap asset</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> FINANCIAL LIABILITIES:<br /> </td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> &nbsp;</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with no stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 482,859</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ -->$</td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 482,859</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Deposits with stated maturities</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 338,683</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 333,561</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Short-term borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 15,765</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> All other borrowings</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 23,606</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 19,085</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Accrued interest payable</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,523</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom"> 2,523</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> <tr style="BACKGROUND-COLOR: #ccffcc"> <td style="TEXT-INDENT: -10pt; PADDING-LEFT: 10pt; VERTICAL-ALIGN: text-bottom"> Fair value swap liability</td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> <td style="TEXT-ALIGN: center; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- GUTTER --></td> <td style="TEXT-ALIGN: left; WIDTH: 6px; VERTICAL-ALIGN: text-bottom"> <!-- $ --></td> <td style="TEXT-ALIGN: right; VERTICAL-ALIGN: text-bottom">346</td> <td style="TEXT-ALIGN: left; WHITE-SPACE: nowrap; VERTICAL-ALIGN: text-bottom"> <!-- PERCENT --></td> </tr> </table> </div> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair value of cash and cash equivalents, regulatory stock, accrued income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#39;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period).</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair value of total borrowed funds is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements.</p> <p style="TEXT-ALIGN: left; PADDING-BOTTOM: 3pt; TEXT-TRANSFORM: none; TEXT-INDENT: 20px; MARGIN: 0pt; PADDING-LEFT: 4px; PADDING-RIGHT: 0pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-TOP: 3pt"> Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&#39;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.</p> <!--EndFragment--></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for financial instruments. This disclosure includes, but is not limited to, fair value measurements of short and long term marketable securities, international currencies forward contracts, and auction rate securities. Financial instruments may include hedging and non-hedging currency exchange instruments, derivatives, securitizations and securities available for sale at fair value. Also included are investment results, realized and unrealized gains and losses as well as impairments and risk management disclosures.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details) (Pension Plans [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Dec. 31, 2012</div>
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        <th class="th">
          <div>Dec. 31, 2011</div>
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          <div class="a">Pension Plans [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract', window );"><strong>Amounts recognized in accumulated other comprehensive loss consists of:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax', window );">Transition asset</a></td>
        <td class="num">$ (8)<span></span></td>
        <td class="num">$ (25)<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_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax', window );">Prior service cost</a></td>
        <td class="num">(38)<span></span></td>
        <td class="num">(58)<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_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax', window );">Net actuarial loss</a></td>
        <td class="nump">14,315<span></span></td>
        <td class="nump">13,033<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_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax', window );">Total</a></td>
        <td class="nump">$ 14,269<span></span></td>
        <td class="nump">$ 12,950<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s).</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax net amount of gain (loss) that are not yet recognized as a component of net periodic benefit cost, and that are recognized as increases (decreases) in other comprehensive income as they arise.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount related to after tax cost of benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation, which has not yet been recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                    <td><strong> Period Type:</strong></td>
                    <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_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax amount of transition assets (obligations), as of the date FAS 87 or 106 was initially applied, that has not yet been recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
